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$57,706
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,501
−HK$1,824/mo
Today · 4.125%
HK$61,325
baseline
▲ 0.50% · 4.625%
HK$65,057
+HK$3,732/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,650/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,198
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,920
−HK$1,746/mo
Today · 4.125%
HK$67,666
baseline
▲ 0.50% · 4.625%
HK$71,233
+HK$3,567/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,332/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,248
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,402
−HK$2,188/mo
Today · 4.125%
HK$73,590
baseline
▲ 0.50% · 4.625%
HK$78,068
+HK$4,478/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,180/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,037
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,103
−HK$2,096/mo
Today · 4.125%
HK$81,199
baseline
▲ 0.50% · 4.625%
HK$85,480
+HK$4,281/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,398/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,789
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,302
−HK$2,553/mo
Today · 4.125%
HK$85,855
baseline
▲ 0.50% · 4.625%
HK$91,079
+HK$5,224/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,710/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,877
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,287
−HK$2,446/mo
Today · 4.125%
HK$94,733
baseline
▲ 0.50% · 4.625%
HK$99,726
+HK$4,993/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,466/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,871
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,102
−HK$3,283/mo
Today · 4.125%
HK$110,385
baseline
▲ 0.50% · 4.625%
HK$117,102
+HK$6,717/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,770/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,556
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,655
−HK$3,144/mo
Today · 4.125%
HK$121,799
baseline
▲ 0.50% · 4.625%
HK$128,219
+HK$6,420/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,598/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,547 · Scale 2, in force from 26 Feb 2026)