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$58,126
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,934
−HK$1,837/mo
Today · 4.125%
HK$61,771
baseline
▲ 0.50% · 4.625%
HK$65,530
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,542/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,665
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,399
−HK$1,760/mo
Today · 4.125%
HK$68,159
baseline
▲ 0.50% · 4.625%
HK$71,751
+HK$3,592/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,318/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,752
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,921
−HK$2,205/mo
Today · 4.125%
HK$74,126
baseline
▲ 0.50% · 4.625%
HK$78,636
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$148,252/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,598
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,679
−HK$2,111/mo
Today · 4.125%
HK$81,790
baseline
▲ 0.50% · 4.625%
HK$86,102
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,580/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,377
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,908
−HK$2,572/mo
Today · 4.125%
HK$86,480
baseline
▲ 0.50% · 4.625%
HK$91,742
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,960/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,531
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,959
−HK$2,463/mo
Today · 4.125%
HK$95,422
baseline
▲ 0.50% · 4.625%
HK$100,452
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,844/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,628
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,882
−HK$3,307/mo
Today · 4.125%
HK$111,189
baseline
▲ 0.50% · 4.625%
HK$117,954
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,378/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,397
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,519
−HK$3,167/mo
Today · 4.125%
HK$122,686
baseline
▲ 0.50% · 4.625%
HK$129,153
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,372/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,375 · Scale 2, in force from 26 Feb 2026)