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$58,012
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,817
−HK$1,833/mo
Today · 4.125%
HK$61,650
baseline
▲ 0.50% · 4.625%
HK$65,401
+HK$3,751/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,300/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,538
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,269
−HK$1,756/mo
Today · 4.125%
HK$68,025
baseline
▲ 0.50% · 4.625%
HK$71,611
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,050/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,615
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,780
−HK$2,200/mo
Today · 4.125%
HK$73,980
baseline
▲ 0.50% · 4.625%
HK$78,482
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$147,960/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,446
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,523
−HK$2,107/mo
Today · 4.125%
HK$81,630
baseline
▲ 0.50% · 4.625%
HK$85,933
+HK$4,303/mo
Deposit HK$10.18M · loan HK$15.26M · min. income ≈ HK$163,260/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,217
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,743
−HK$2,567/mo
Today · 4.125%
HK$86,310
baseline
▲ 0.50% · 4.625%
HK$91,562
+HK$5,252/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,620/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,353
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,776
−HK$2,459/mo
Today · 4.125%
HK$95,235
baseline
▲ 0.50% · 4.625%
HK$100,255
+HK$5,020/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,470/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,081,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,422
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,670
−HK$3,300/mo
Today · 4.125%
HK$110,970
baseline
▲ 0.50% · 4.625%
HK$117,722
+HK$6,752/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,940/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,168
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,284
−HK$3,161/mo
Today · 4.125%
HK$122,445
baseline
▲ 0.50% · 4.625%
HK$128,899
+HK$6,454/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,890/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,247 · Scale 2, in force from 26 Feb 2026)