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$57,934
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,736
−HK$1,830/mo
Today · 4.125%
HK$61,566
baseline
▲ 0.50% · 4.625%
HK$65,313
+HK$3,747/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,132/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,450
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,179
−HK$1,754/mo
Today · 4.125%
HK$67,933
baseline
▲ 0.50% · 4.625%
HK$71,513
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,866/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,520
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,683
−HK$2,197/mo
Today · 4.125%
HK$73,880
baseline
▲ 0.50% · 4.625%
HK$78,375
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,760/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,341
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,415
−HK$2,104/mo
Today · 4.125%
HK$81,519
baseline
▲ 0.50% · 4.625%
HK$85,816
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,038/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,107
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,630
−HK$2,563/mo
Today · 4.125%
HK$86,193
baseline
▲ 0.50% · 4.625%
HK$91,438
+HK$5,245/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,386/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,231
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,651
−HK$2,455/mo
Today · 4.125%
HK$95,106
baseline
▲ 0.50% · 4.625%
HK$100,119
+HK$5,013/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,212/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,280
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,524
−HK$3,296/mo
Today · 4.125%
HK$110,820
baseline
▲ 0.50% · 4.625%
HK$117,563
+HK$6,743/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,640/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,011
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,122
−HK$3,157/mo
Today · 4.125%
HK$122,279
baseline
▲ 0.50% · 4.625%
HK$128,724
+HK$6,445/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,558/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,781 · Scale 2, in force from 26 Feb 2026)