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$57,868
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,668
−HK$1,829/mo
Today · 4.125%
HK$61,497
baseline
▲ 0.50% · 4.625%
HK$65,239
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,994/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,378
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,104
−HK$1,752/mo
Today · 4.125%
HK$67,856
baseline
▲ 0.50% · 4.625%
HK$71,432
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,712/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,442
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,602
−HK$2,194/mo
Today · 4.125%
HK$73,796
baseline
▲ 0.50% · 4.625%
HK$78,286
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,592/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,253
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,325
−HK$2,102/mo
Today · 4.125%
HK$81,427
baseline
▲ 0.50% · 4.625%
HK$85,719
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,854/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,015
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,535
−HK$2,560/mo
Today · 4.125%
HK$86,095
baseline
▲ 0.50% · 4.625%
HK$91,334
+HK$5,239/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,190/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,129
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,546
−HK$2,452/mo
Today · 4.125%
HK$94,998
baseline
▲ 0.50% · 4.625%
HK$100,005
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,996/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,162
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,402
−HK$3,292/mo
Today · 4.125%
HK$110,694
baseline
▲ 0.50% · 4.625%
HK$117,430
+HK$6,736/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,388/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,880
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,987
−HK$3,153/mo
Today · 4.125%
HK$122,140
baseline
▲ 0.50% · 4.625%
HK$128,578
+HK$6,438/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,280/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,558 · Scale 2, in force from 26 Feb 2026)