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$57,924
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,725
−HK$1,831/mo
Today · 4.125%
HK$61,556
baseline
▲ 0.50% · 4.625%
HK$65,302
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,112/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,440
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,168
−HK$1,753/mo
Today · 4.125%
HK$67,921
baseline
▲ 0.50% · 4.625%
HK$71,501
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,842/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,508
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,671
−HK$2,196/mo
Today · 4.125%
HK$73,867
baseline
▲ 0.50% · 4.625%
HK$78,362
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,734/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,327
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,401
−HK$2,104/mo
Today · 4.125%
HK$81,505
baseline
▲ 0.50% · 4.625%
HK$85,801
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,010/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,093
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,616
−HK$2,562/mo
Today · 4.125%
HK$86,178
baseline
▲ 0.50% · 4.625%
HK$91,422
+HK$5,244/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,356/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,215
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,635
−HK$2,454/mo
Today · 4.125%
HK$95,089
baseline
▲ 0.50% · 4.625%
HK$100,102
+HK$5,013/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,178/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,263
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,506
−HK$3,295/mo
Today · 4.125%
HK$110,801
baseline
▲ 0.50% · 4.625%
HK$117,543
+HK$6,742/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,602/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,991
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,102
−HK$3,156/mo
Today · 4.125%
HK$122,258
baseline
▲ 0.50% · 4.625%
HK$128,702
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,516/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,597 · Scale 2, in force from 26 Feb 2026)