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$57,893
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,694
−HK$1,830/mo
Today · 4.125%
HK$61,524
baseline
▲ 0.50% · 4.625%
HK$65,267
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,048/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,406
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,133
−HK$1,752/mo
Today · 4.125%
HK$67,885
baseline
▲ 0.50% · 4.625%
HK$71,464
+HK$3,579/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,770/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,472
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,633
−HK$2,196/mo
Today · 4.125%
HK$73,829
baseline
▲ 0.50% · 4.625%
HK$78,321
+HK$4,492/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,658/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,079,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,287
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,360
−HK$2,103/mo
Today · 4.125%
HK$81,463
baseline
▲ 0.50% · 4.625%
HK$85,757
+HK$4,294/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,926/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,079,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,051
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,572
−HK$2,561/mo
Today · 4.125%
HK$86,133
baseline
▲ 0.50% · 4.625%
HK$91,374
+HK$5,241/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,266/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,168
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,586
−HK$2,454/mo
Today · 4.125%
HK$95,040
baseline
▲ 0.50% · 4.625%
HK$100,049
+HK$5,009/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,080/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,208
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,450
−HK$3,293/mo
Today · 4.125%
HK$110,743
baseline
▲ 0.50% · 4.625%
HK$117,481
+HK$6,738/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,486/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,931
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,040
−HK$3,154/mo
Today · 4.125%
HK$122,194
baseline
▲ 0.50% · 4.625%
HK$128,635
+HK$6,441/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,388/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,033 · Scale 2, in force from 26 Feb 2026)