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$57,896
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,697
−HK$1,830/mo
Today · 4.125%
HK$61,527
baseline
▲ 0.50% · 4.625%
HK$65,270
+HK$3,743/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,054/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,409
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,136
−HK$1,753/mo
Today · 4.125%
HK$67,889
baseline
▲ 0.50% · 4.625%
HK$71,467
+HK$3,578/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,778/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,475
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,636
−HK$2,196/mo
Today · 4.125%
HK$73,832
baseline
▲ 0.50% · 4.625%
HK$78,325
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,664/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,291
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,363
−HK$2,103/mo
Today · 4.125%
HK$81,466
baseline
▲ 0.50% · 4.625%
HK$85,761
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,932/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,055
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,576
−HK$2,561/mo
Today · 4.125%
HK$86,137
baseline
▲ 0.50% · 4.625%
HK$91,379
+HK$5,242/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,274/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,172
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,591
−HK$2,453/mo
Today · 4.125%
HK$95,044
baseline
▲ 0.50% · 4.625%
HK$100,054
+HK$5,010/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,088/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,213
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,455
−HK$3,293/mo
Today · 4.125%
HK$110,748
baseline
▲ 0.50% · 4.625%
HK$117,487
+HK$6,739/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,496/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,936
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,045
−HK$3,155/mo
Today · 4.125%
HK$122,200
baseline
▲ 0.50% · 4.625%
HK$128,641
+HK$6,441/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,400/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,083 · Scale 2, in force from 26 Feb 2026)