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$57,709
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,504
−HK$1,824/mo
Today · 4.125%
HK$61,328
baseline
▲ 0.50% · 4.625%
HK$65,060
+HK$3,732/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,656/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,201
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,923
−HK$1,746/mo
Today · 4.125%
HK$67,669
baseline
▲ 0.50% · 4.625%
HK$71,236
+HK$3,567/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,338/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,251
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,405
−HK$2,189/mo
Today · 4.125%
HK$73,594
baseline
▲ 0.50% · 4.625%
HK$78,072
+HK$4,478/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,188/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,041
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,107
−HK$2,096/mo
Today · 4.125%
HK$81,203
baseline
▲ 0.50% · 4.625%
HK$85,484
+HK$4,281/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,406/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,793
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,306
−HK$2,553/mo
Today · 4.125%
HK$85,859
baseline
▲ 0.50% · 4.625%
HK$91,084
+HK$5,225/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,718/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,881
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,292
−HK$2,445/mo
Today · 4.125%
HK$94,737
baseline
▲ 0.50% · 4.625%
HK$99,731
+HK$4,994/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,474/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,876
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,108
−HK$3,282/mo
Today · 4.125%
HK$110,390
baseline
▲ 0.50% · 4.625%
HK$117,107
+HK$6,717/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,780/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,562
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,661
−HK$3,144/mo
Today · 4.125%
HK$121,805
baseline
▲ 0.50% · 4.625%
HK$128,225
+HK$6,420/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,610/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,598 · Scale 2, in force from 26 Feb 2026)