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$57,905
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,707
−HK$1,830/mo
Today · 4.125%
HK$61,537
baseline
▲ 0.50% · 4.625%
HK$65,281
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,074/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,419
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,147
−HK$1,753/mo
Today · 4.125%
HK$67,900
baseline
▲ 0.50% · 4.625%
HK$71,479
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,800/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,487
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,648
−HK$2,196/mo
Today · 4.125%
HK$73,844
baseline
▲ 0.50% · 4.625%
HK$78,337
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,688/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,303
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,376
−HK$2,104/mo
Today · 4.125%
HK$81,480
baseline
▲ 0.50% · 4.625%
HK$85,774
+HK$4,294/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,960/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,068
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,589
−HK$2,562/mo
Today · 4.125%
HK$86,151
baseline
▲ 0.50% · 4.625%
HK$91,393
+HK$5,242/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,302/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,187
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,606
−HK$2,453/mo
Today · 4.125%
HK$95,059
baseline
▲ 0.50% · 4.625%
HK$100,070
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,118/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,230
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,472
−HK$3,294/mo
Today · 4.125%
HK$110,766
baseline
▲ 0.50% · 4.625%
HK$117,506
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,532/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,955
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,064
−HK$3,155/mo
Today · 4.125%
HK$122,219
baseline
▲ 0.50% · 4.625%
HK$128,662
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,438/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,257 · Scale 2, in force from 26 Feb 2026)