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$58,132
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,940
−HK$1,837/mo
Today · 4.125%
HK$61,777
baseline
▲ 0.50% · 4.625%
HK$65,536
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,554/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,671
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,405
−HK$1,760/mo
Today · 4.125%
HK$68,165
baseline
▲ 0.50% · 4.625%
HK$71,758
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,330/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,758
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,928
−HK$2,204/mo
Today · 4.125%
HK$74,132
baseline
▲ 0.50% · 4.625%
HK$78,643
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,264/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,605
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,686
−HK$2,112/mo
Today · 4.125%
HK$81,798
baseline
▲ 0.50% · 4.625%
HK$86,109
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,596/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,384
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,916
−HK$2,572/mo
Today · 4.125%
HK$86,488
baseline
▲ 0.50% · 4.625%
HK$91,750
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$172,976/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,539
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,967
−HK$2,464/mo
Today · 4.125%
HK$95,431
baseline
▲ 0.50% · 4.625%
HK$100,461
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,862/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,637
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,892
−HK$3,306/mo
Today · 4.125%
HK$111,198
baseline
▲ 0.50% · 4.625%
HK$117,965
+HK$6,767/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,396/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,407
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,529
−HK$3,167/mo
Today · 4.125%
HK$122,696
baseline
▲ 0.50% · 4.625%
HK$129,164
+HK$6,468/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,392/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,470 · Scale 2, in force from 26 Feb 2026)