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$57,894
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,695
−HK$1,830/mo
Today · 4.125%
HK$61,525
baseline
▲ 0.50% · 4.625%
HK$65,269
+HK$3,744/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,050/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,407
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,134
−HK$1,753/mo
Today · 4.125%
HK$67,887
baseline
▲ 0.50% · 4.625%
HK$71,465
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,774/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,473
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,634
−HK$2,196/mo
Today · 4.125%
HK$73,830
baseline
▲ 0.50% · 4.625%
HK$78,322
+HK$4,492/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,660/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,079,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,288
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,361
−HK$2,103/mo
Today · 4.125%
HK$81,464
baseline
▲ 0.50% · 4.625%
HK$85,758
+HK$4,294/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,928/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,079,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,052
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,573
−HK$2,562/mo
Today · 4.125%
HK$86,135
baseline
▲ 0.50% · 4.625%
HK$91,376
+HK$5,241/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,270/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,170
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,588
−HK$2,453/mo
Today · 4.125%
HK$95,041
baseline
▲ 0.50% · 4.625%
HK$100,051
+HK$5,010/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,082/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,210
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,452
−HK$3,293/mo
Today · 4.125%
HK$110,745
baseline
▲ 0.50% · 4.625%
HK$117,483
+HK$6,738/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,490/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,933
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,042
−HK$3,154/mo
Today · 4.125%
HK$122,196
baseline
▲ 0.50% · 4.625%
HK$128,637
+HK$6,441/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,392/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,052 · Scale 2, in force from 26 Feb 2026)