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$57,935
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,738
−HK$1,831/mo
Today · 4.125%
HK$61,569
baseline
▲ 0.50% · 4.625%
HK$65,315
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,138/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,453
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,181
−HK$1,754/mo
Today · 4.125%
HK$67,935
baseline
▲ 0.50% · 4.625%
HK$71,516
+HK$3,581/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,870/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,523
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,685
−HK$2,197/mo
Today · 4.125%
HK$73,882
baseline
▲ 0.50% · 4.625%
HK$78,378
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,764/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,343
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,417
−HK$2,105/mo
Today · 4.125%
HK$81,522
baseline
▲ 0.50% · 4.625%
HK$85,819
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,044/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,110
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,633
−HK$2,563/mo
Today · 4.125%
HK$86,196
baseline
▲ 0.50% · 4.625%
HK$91,441
+HK$5,245/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,392/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,234
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,654
−HK$2,455/mo
Today · 4.125%
HK$95,109
baseline
▲ 0.50% · 4.625%
HK$100,122
+HK$5,013/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,218/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,284
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,528
−HK$3,295/mo
Today · 4.125%
HK$110,823
baseline
▲ 0.50% · 4.625%
HK$117,567
+HK$6,744/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,646/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,015
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,126
−HK$3,157/mo
Today · 4.125%
HK$122,283
baseline
▲ 0.50% · 4.625%
HK$128,728
+HK$6,445/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,566/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,816 · Scale 2, in force from 26 Feb 2026)