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$57,703
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,498
−HK$1,823/mo
Today · 4.125%
HK$61,321
baseline
▲ 0.50% · 4.625%
HK$65,052
+HK$3,731/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,642/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,194
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,915
−HK$1,747/mo
Today · 4.125%
HK$67,662
baseline
▲ 0.50% · 4.625%
HK$71,228
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,324/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,243
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,397
−HK$2,188/mo
Today · 4.125%
HK$73,585
baseline
▲ 0.50% · 4.625%
HK$78,063
+HK$4,478/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,170/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,032
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,098
−HK$2,096/mo
Today · 4.125%
HK$81,194
baseline
▲ 0.50% · 4.625%
HK$85,474
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,388/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,784
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,297
−HK$2,553/mo
Today · 4.125%
HK$85,850
baseline
▲ 0.50% · 4.625%
HK$91,073
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,700/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,871
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,282
−HK$2,445/mo
Today · 4.125%
HK$94,727
baseline
▲ 0.50% · 4.625%
HK$99,720
+HK$4,993/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,454/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,865
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,096
−HK$3,282/mo
Today · 4.125%
HK$110,378
baseline
▲ 0.50% · 4.625%
HK$117,094
+HK$6,716/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,756/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,549
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,648
−HK$3,143/mo
Today · 4.125%
HK$121,791
baseline
▲ 0.50% · 4.625%
HK$128,211
+HK$6,420/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,582/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,479 · Scale 2, in force from 26 Feb 2026)