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$57,774
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,571
−HK$1,826/mo
Today · 4.125%
HK$61,397
baseline
▲ 0.50% · 4.625%
HK$65,133
+HK$3,736/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,794/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,273
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$65,997
−HK$1,749/mo
Today · 4.125%
HK$67,746
baseline
▲ 0.50% · 4.625%
HK$71,317
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,492/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,329
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,486
−HK$2,191/mo
Today · 4.125%
HK$73,677
baseline
▲ 0.50% · 4.625%
HK$78,160
+HK$4,483/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,354/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,128
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,196
−HK$2,099/mo
Today · 4.125%
HK$81,295
baseline
▲ 0.50% · 4.625%
HK$85,580
+HK$4,285/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,590/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,884
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,400
−HK$2,556/mo
Today · 4.125%
HK$85,956
baseline
▲ 0.50% · 4.625%
HK$91,186
+HK$5,230/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,912/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,983
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,396
−HK$2,448/mo
Today · 4.125%
HK$94,844
baseline
▲ 0.50% · 4.625%
HK$99,843
+HK$4,999/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,688/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,994
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,228
−HK$3,287/mo
Today · 4.125%
HK$110,515
baseline
▲ 0.50% · 4.625%
HK$117,239
+HK$6,724/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$221,030/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,692
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,795
−HK$3,147/mo
Today · 4.125%
HK$121,942
baseline
▲ 0.50% · 4.625%
HK$128,370
+HK$6,428/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,884/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,811 · Scale 2, in force from 26 Feb 2026)