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$57,915
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,716
−HK$1,830/mo
Today · 4.125%
HK$61,546
baseline
▲ 0.50% · 4.625%
HK$65,291
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,092/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,429
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,157
−HK$1,753/mo
Today · 4.125%
HK$67,910
baseline
▲ 0.50% · 4.625%
HK$71,490
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,820/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,497
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,659
−HK$2,197/mo
Today · 4.125%
HK$73,856
baseline
▲ 0.50% · 4.625%
HK$78,350
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,712/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,315
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,389
−HK$2,103/mo
Today · 4.125%
HK$81,492
baseline
▲ 0.50% · 4.625%
HK$85,788
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,984/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,080
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,602
−HK$2,563/mo
Today · 4.125%
HK$86,165
baseline
▲ 0.50% · 4.625%
HK$91,408
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,330/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,201
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,620
−HK$2,454/mo
Today · 4.125%
HK$95,074
baseline
▲ 0.50% · 4.625%
HK$100,086
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,148/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,246
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,489
−HK$3,294/mo
Today · 4.125%
HK$110,783
baseline
▲ 0.50% · 4.625%
HK$117,524
+HK$6,741/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,566/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,973
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,083
−HK$3,156/mo
Today · 4.125%
HK$122,239
baseline
▲ 0.50% · 4.625%
HK$128,682
+HK$6,443/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,478/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,427 · Scale 2, in force from 26 Feb 2026)