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$57,828
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,627
−HK$1,827/mo
Today · 4.125%
HK$61,454
baseline
▲ 0.50% · 4.625%
HK$65,194
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,908/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,333
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,059
−HK$1,750/mo
Today · 4.125%
HK$67,809
baseline
▲ 0.50% · 4.625%
HK$71,383
+HK$3,574/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,618/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,394
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,552
−HK$2,193/mo
Today · 4.125%
HK$73,745
baseline
▲ 0.50% · 4.625%
HK$78,233
+HK$4,488/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$147,490/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,200
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,270
−HK$2,101/mo
Today · 4.125%
HK$81,371
baseline
▲ 0.50% · 4.625%
HK$85,660
+HK$4,289/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$162,742/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,959
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,478
−HK$2,558/mo
Today · 4.125%
HK$86,036
baseline
▲ 0.50% · 4.625%
HK$91,271
+HK$5,235/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,072/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,066
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,482
−HK$2,450/mo
Today · 4.125%
HK$94,932
baseline
▲ 0.50% · 4.625%
HK$99,936
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,864/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,091
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,328
−HK$3,290/mo
Today · 4.125%
HK$110,618
baseline
▲ 0.50% · 4.625%
HK$117,349
+HK$6,731/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,236/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,800
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,905
−HK$3,151/mo
Today · 4.125%
HK$122,056
baseline
▲ 0.50% · 4.625%
HK$128,490
+HK$6,434/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,112/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,815 · Scale 2, in force from 26 Feb 2026)