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$57,861
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,661
−HK$1,829/mo
Today · 4.125%
HK$61,490
baseline
▲ 0.50% · 4.625%
HK$65,231
+HK$3,741/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,980/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,370
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,096
−HK$1,752/mo
Today · 4.125%
HK$67,848
baseline
▲ 0.50% · 4.625%
HK$71,424
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,696/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,433
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,593
−HK$2,194/mo
Today · 4.125%
HK$73,787
baseline
▲ 0.50% · 4.625%
HK$78,277
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,574/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,244
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,316
−HK$2,101/mo
Today · 4.125%
HK$81,417
baseline
▲ 0.50% · 4.625%
HK$85,709
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,834/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,006
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,525
−HK$2,560/mo
Today · 4.125%
HK$86,085
baseline
▲ 0.50% · 4.625%
HK$91,323
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,170/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,118
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,535
−HK$2,452/mo
Today · 4.125%
HK$94,987
baseline
▲ 0.50% · 4.625%
HK$99,994
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,974/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,150
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,390
−HK$3,291/mo
Today · 4.125%
HK$110,681
baseline
▲ 0.50% · 4.625%
HK$117,416
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,362/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,866
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,973
−HK$3,153/mo
Today · 4.125%
HK$122,126
baseline
▲ 0.50% · 4.625%
HK$128,563
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,252/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,431 · Scale 2, in force from 26 Feb 2026)