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$57,704
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,499
−HK$1,823/mo
Today · 4.125%
HK$61,322
baseline
▲ 0.50% · 4.625%
HK$65,054
+HK$3,732/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,644/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,195
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,916
−HK$1,747/mo
Today · 4.125%
HK$67,663
baseline
▲ 0.50% · 4.625%
HK$71,230
+HK$3,567/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,326/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,244
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,398
−HK$2,189/mo
Today · 4.125%
HK$73,587
baseline
▲ 0.50% · 4.625%
HK$78,064
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,174/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,034
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,100
−HK$2,096/mo
Today · 4.125%
HK$81,196
baseline
▲ 0.50% · 4.625%
HK$85,476
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,392/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,785
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,298
−HK$2,553/mo
Today · 4.125%
HK$85,851
baseline
▲ 0.50% · 4.625%
HK$91,075
+HK$5,224/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,702/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,873
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,283
−HK$2,445/mo
Today · 4.125%
HK$94,728
baseline
▲ 0.50% · 4.625%
HK$99,721
+HK$4,993/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,456/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,867
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,097
−HK$3,283/mo
Today · 4.125%
HK$110,380
baseline
▲ 0.50% · 4.625%
HK$117,096
+HK$6,716/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,760/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,551
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,650
−HK$3,143/mo
Today · 4.125%
HK$121,793
baseline
▲ 0.50% · 4.625%
HK$128,213
+HK$6,420/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,586/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,496 · Scale 2, in force from 26 Feb 2026)