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$57,692
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,487
−HK$1,823/mo
Today · 4.125%
HK$61,310
baseline
▲ 0.50% · 4.625%
HK$65,041
+HK$3,731/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,620/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,182
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,904
−HK$1,746/mo
Today · 4.125%
HK$67,650
baseline
▲ 0.50% · 4.625%
HK$71,216
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,300/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,231
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,384
−HK$2,188/mo
Today · 4.125%
HK$73,572
baseline
▲ 0.50% · 4.625%
HK$78,049
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,144/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,019
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,084
−HK$2,096/mo
Today · 4.125%
HK$81,180
baseline
▲ 0.50% · 4.625%
HK$85,459
+HK$4,279/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,360/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,769
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,282
−HK$2,552/mo
Today · 4.125%
HK$85,834
baseline
▲ 0.50% · 4.625%
HK$91,057
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,668/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,855
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,265
−HK$2,445/mo
Today · 4.125%
HK$94,710
baseline
▲ 0.50% · 4.625%
HK$99,702
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,420/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,846
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,076
−HK$3,282/mo
Today · 4.125%
HK$110,358
baseline
▲ 0.50% · 4.625%
HK$117,073
+HK$6,715/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,716/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,528
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,626
−HK$3,144/mo
Today · 4.125%
HK$121,770
baseline
▲ 0.50% · 4.625%
HK$128,188
+HK$6,418/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,540/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,286 · Scale 2, in force from 26 Feb 2026)