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$57,874
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,674
−HK$1,829/mo
Today · 4.125%
HK$61,503
baseline
▲ 0.50% · 4.625%
HK$65,246
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,006/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,384
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,111
−HK$1,752/mo
Today · 4.125%
HK$67,863
baseline
▲ 0.50% · 4.625%
HK$71,440
+HK$3,577/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,726/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,449
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,609
−HK$2,195/mo
Today · 4.125%
HK$73,804
baseline
▲ 0.50% · 4.625%
HK$78,295
+HK$4,491/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,608/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,261
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,333
−HK$2,103/mo
Today · 4.125%
HK$81,436
baseline
▲ 0.50% · 4.625%
HK$85,728
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,872/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,024
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,544
−HK$2,561/mo
Today · 4.125%
HK$86,105
baseline
▲ 0.50% · 4.625%
HK$91,344
+HK$5,239/mo
Deposit HK$7.61M · loan HK$17.77M · min. income ≈ HK$172,210/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,138
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,556
−HK$2,452/mo
Today · 4.125%
HK$95,008
baseline
▲ 0.50% · 4.625%
HK$100,016
+HK$5,008/mo
Deposit HK$7.61M · loan HK$17.77M · min. income ≈ HK$190,016/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,174
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,414
−HK$3,292/mo
Today · 4.125%
HK$110,706
baseline
▲ 0.50% · 4.625%
HK$117,442
+HK$6,736/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,412/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,892
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$119,000
−HK$3,153/mo
Today · 4.125%
HK$122,153
baseline
▲ 0.50% · 4.625%
HK$128,592
+HK$6,439/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,306/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,674 · Scale 2, in force from 26 Feb 2026)