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$57,939
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,741
−HK$1,831/mo
Today · 4.125%
HK$61,572
baseline
▲ 0.50% · 4.625%
HK$65,319
+HK$3,747/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,144/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,457
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,185
−HK$1,754/mo
Today · 4.125%
HK$67,939
baseline
▲ 0.50% · 4.625%
HK$71,520
+HK$3,581/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,878/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,527
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,690
−HK$2,197/mo
Today · 4.125%
HK$73,887
baseline
▲ 0.50% · 4.625%
HK$78,383
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$147,774/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,348
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,423
−HK$2,104/mo
Today · 4.125%
HK$81,527
baseline
▲ 0.50% · 4.625%
HK$85,824
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$163,054/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,115
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,638
−HK$2,563/mo
Today · 4.125%
HK$86,201
baseline
▲ 0.50% · 4.625%
HK$91,447
+HK$5,246/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,402/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,239
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,660
−HK$2,455/mo
Today · 4.125%
HK$95,115
baseline
▲ 0.50% · 4.625%
HK$100,128
+HK$5,013/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,230/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,290
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,535
−HK$3,295/mo
Today · 4.125%
HK$110,830
baseline
▲ 0.50% · 4.625%
HK$117,574
+HK$6,744/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,660/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,022
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,134
−HK$3,156/mo
Today · 4.125%
HK$122,290
baseline
▲ 0.50% · 4.625%
HK$128,737
+HK$6,447/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,580/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,885 · Scale 2, in force from 26 Feb 2026)