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$57,913
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,715
−HK$1,830/mo
Today · 4.125%
HK$61,545
baseline
▲ 0.50% · 4.625%
HK$65,290
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,090/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,428
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,156
−HK$1,753/mo
Today · 4.125%
HK$67,909
baseline
▲ 0.50% · 4.625%
HK$71,488
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,818/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,496
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,658
−HK$2,196/mo
Today · 4.125%
HK$73,854
baseline
▲ 0.50% · 4.625%
HK$78,348
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,708/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,314
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,387
−HK$2,104/mo
Today · 4.125%
HK$81,491
baseline
▲ 0.50% · 4.625%
HK$85,786
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,982/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,079
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,601
−HK$2,562/mo
Today · 4.125%
HK$86,163
baseline
▲ 0.50% · 4.625%
HK$91,406
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,326/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,199
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,618
−HK$2,454/mo
Today · 4.125%
HK$95,072
baseline
▲ 0.50% · 4.625%
HK$100,084
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,144/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,244
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,487
−HK$3,294/mo
Today · 4.125%
HK$110,781
baseline
▲ 0.50% · 4.625%
HK$117,522
+HK$6,741/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,562/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,970
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,081
−HK$3,155/mo
Today · 4.125%
HK$122,236
baseline
▲ 0.50% · 4.625%
HK$128,679
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,472/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,404 · Scale 2, in force from 26 Feb 2026)