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$57,769
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,566
−HK$1,825/mo
Today · 4.125%
HK$61,391
baseline
▲ 0.50% · 4.625%
HK$65,127
+HK$3,736/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,782/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,267
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,991
−HK$1,748/mo
Today · 4.125%
HK$67,739
baseline
▲ 0.50% · 4.625%
HK$71,310
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,478/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,322
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,479
−HK$2,190/mo
Today · 4.125%
HK$73,669
baseline
▲ 0.50% · 4.625%
HK$78,152
+HK$4,483/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,338/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,120
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,189
−HK$2,098/mo
Today · 4.125%
HK$81,287
baseline
▲ 0.50% · 4.625%
HK$85,572
+HK$4,285/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,574/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,876
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,392
−HK$2,556/mo
Today · 4.125%
HK$85,948
baseline
▲ 0.50% · 4.625%
HK$91,177
+HK$5,229/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,896/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,974
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,387
−HK$2,448/mo
Today · 4.125%
HK$94,835
baseline
▲ 0.50% · 4.625%
HK$99,834
+HK$4,999/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,670/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,984
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,218
−HK$3,286/mo
Today · 4.125%
HK$110,504
baseline
▲ 0.50% · 4.625%
HK$117,228
+HK$6,724/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$221,008/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,681
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,783
−HK$3,148/mo
Today · 4.125%
HK$121,931
baseline
▲ 0.50% · 4.625%
HK$128,358
+HK$6,427/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,862/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,707 · Scale 2, in force from 26 Feb 2026)