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$57,907
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,708
−HK$1,830/mo
Today · 4.125%
HK$61,538
baseline
▲ 0.50% · 4.625%
HK$65,283
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,076/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,421
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,149
−HK$1,752/mo
Today · 4.125%
HK$67,901
baseline
▲ 0.50% · 4.625%
HK$71,480
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,802/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,488
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,650
−HK$2,196/mo
Today · 4.125%
HK$73,846
baseline
▲ 0.50% · 4.625%
HK$78,339
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,692/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,305
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,378
−HK$2,104/mo
Today · 4.125%
HK$81,482
baseline
▲ 0.50% · 4.625%
HK$85,777
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,964/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,070
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,591
−HK$2,562/mo
Today · 4.125%
HK$86,153
baseline
▲ 0.50% · 4.625%
HK$91,396
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,306/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,189
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,608
−HK$2,454/mo
Today · 4.125%
HK$95,062
baseline
▲ 0.50% · 4.625%
HK$100,073
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,124/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,232
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,475
−HK$3,294/mo
Today · 4.125%
HK$110,769
baseline
▲ 0.50% · 4.625%
HK$117,509
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,538/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,958
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,067
−HK$3,155/mo
Today · 4.125%
HK$122,222
baseline
▲ 0.50% · 4.625%
HK$128,665
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,444/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,284 · Scale 2, in force from 26 Feb 2026)