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$57,805
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,603
−HK$1,826/mo
Today · 4.125%
HK$61,429
baseline
▲ 0.50% · 4.625%
HK$65,167
+HK$3,738/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,858/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,307
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,032
−HK$1,749/mo
Today · 4.125%
HK$67,781
baseline
▲ 0.50% · 4.625%
HK$71,354
+HK$3,573/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,562/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,366
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,523
−HK$2,192/mo
Today · 4.125%
HK$73,715
baseline
▲ 0.50% · 4.625%
HK$78,201
+HK$4,486/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,430/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,168
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,238
−HK$2,100/mo
Today · 4.125%
HK$81,338
baseline
▲ 0.50% · 4.625%
HK$85,625
+HK$4,287/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,676/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,926
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,444
−HK$2,557/mo
Today · 4.125%
HK$86,001
baseline
▲ 0.50% · 4.625%
HK$91,234
+HK$5,233/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,002/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,030
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,444
−HK$2,450/mo
Today · 4.125%
HK$94,894
baseline
▲ 0.50% · 4.625%
HK$99,896
+HK$5,002/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,788/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,048
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,285
−HK$3,288/mo
Today · 4.125%
HK$110,573
baseline
▲ 0.50% · 4.625%
HK$117,301
+HK$6,728/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,146/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,753
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,857
−HK$3,149/mo
Today · 4.125%
HK$122,006
baseline
▲ 0.50% · 4.625%
HK$128,438
+HK$6,432/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,012/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,378 · Scale 2, in force from 26 Feb 2026)