The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$57,839
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,638
−HK$1,828/mo
Today · 4.125%
HK$61,466
baseline
▲ 0.50% · 4.625%
HK$65,206
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,932/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,346
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,071
−HK$1,751/mo
Today · 4.125%
HK$67,822
baseline
▲ 0.50% · 4.625%
HK$71,397
+HK$3,575/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,644/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,407
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,566
−HK$2,194/mo
Today · 4.125%
HK$73,760
baseline
▲ 0.50% · 4.625%
HK$78,248
+HK$4,488/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,520/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,078,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,215
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,286
−HK$2,101/mo
Today · 4.125%
HK$81,387
baseline
▲ 0.50% · 4.625%
HK$85,677
+HK$4,290/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,774/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,078,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,975
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,494
−HK$2,559/mo
Today · 4.125%
HK$86,053
baseline
▲ 0.50% · 4.625%
HK$91,289
+HK$5,236/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,106/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,084
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,500
−HK$2,451/mo
Today · 4.125%
HK$94,951
baseline
▲ 0.50% · 4.625%
HK$99,956
+HK$5,005/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,902/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,111
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,349
−HK$3,290/mo
Today · 4.125%
HK$110,639
baseline
▲ 0.50% · 4.625%
HK$117,372
+HK$6,733/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,278/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,078,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,822
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,929
−HK$3,151/mo
Today · 4.125%
HK$122,080
baseline
▲ 0.50% · 4.625%
HK$128,515
+HK$6,435/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,160/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,078,025 · Scale 2, in force from 26 Feb 2026)