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$57,677
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,471
−HK$1,822/mo
Today · 4.125%
HK$61,293
baseline
▲ 0.50% · 4.625%
HK$65,023
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,586/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,165
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,886
−HK$1,745/mo
Today · 4.125%
HK$67,631
baseline
▲ 0.50% · 4.625%
HK$71,196
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,262/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,212
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,365
−HK$2,187/mo
Today · 4.125%
HK$73,552
baseline
▲ 0.50% · 4.625%
HK$78,028
+HK$4,476/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,104/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,998
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,063
−HK$2,095/mo
Today · 4.125%
HK$81,158
baseline
▲ 0.50% · 4.625%
HK$85,435
+HK$4,277/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,316/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,747
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,259
−HK$2,552/mo
Today · 4.125%
HK$85,811
baseline
▲ 0.50% · 4.625%
HK$91,032
+HK$5,221/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,622/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,831
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,240
−HK$2,444/mo
Today · 4.125%
HK$94,684
baseline
▲ 0.50% · 4.625%
HK$99,675
+HK$4,991/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,368/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,818
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,047
−HK$3,281/mo
Today · 4.125%
HK$110,328
baseline
▲ 0.50% · 4.625%
HK$117,041
+HK$6,713/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,656/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,496
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,594
−HK$3,142/mo
Today · 4.125%
HK$121,736
baseline
▲ 0.50% · 4.625%
HK$128,153
+HK$6,417/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,472/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,992 · Scale 2, in force from 26 Feb 2026)