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$57,866
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,666
−HK$1,829/mo
Today · 4.125%
HK$61,495
baseline
▲ 0.50% · 4.625%
HK$65,237
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,990/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,376
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,102
−HK$1,752/mo
Today · 4.125%
HK$67,854
baseline
▲ 0.50% · 4.625%
HK$71,430
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,708/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,440
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,600
−HK$2,194/mo
Today · 4.125%
HK$73,794
baseline
▲ 0.50% · 4.625%
HK$78,284
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,588/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,251
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,323
−HK$2,101/mo
Today · 4.125%
HK$81,424
baseline
▲ 0.50% · 4.625%
HK$85,716
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,848/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,013
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,533
−HK$2,560/mo
Today · 4.125%
HK$86,093
baseline
▲ 0.50% · 4.625%
HK$91,332
+HK$5,239/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,186/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,126
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,543
−HK$2,452/mo
Today · 4.125%
HK$94,995
baseline
▲ 0.50% · 4.625%
HK$100,003
+HK$5,008/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,990/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,159
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,399
−HK$3,292/mo
Today · 4.125%
HK$110,691
baseline
▲ 0.50% · 4.625%
HK$117,426
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,382/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,876
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,984
−HK$3,153/mo
Today · 4.125%
HK$122,137
baseline
▲ 0.50% · 4.625%
HK$128,575
+HK$6,438/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,274/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,528 · Scale 2, in force from 26 Feb 2026)