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$58,128
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,937
−HK$1,837/mo
Today · 4.125%
HK$61,774
baseline
▲ 0.50% · 4.625%
HK$65,532
+HK$3,758/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,548/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,667
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,402
−HK$1,759/mo
Today · 4.125%
HK$68,161
baseline
▲ 0.50% · 4.625%
HK$71,754
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,322/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,754
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,924
−HK$2,204/mo
Today · 4.125%
HK$74,128
baseline
▲ 0.50% · 4.625%
HK$78,639
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,256/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,601
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,682
−HK$2,111/mo
Today · 4.125%
HK$81,793
baseline
▲ 0.50% · 4.625%
HK$86,105
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,586/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,380
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,911
−HK$2,572/mo
Today · 4.125%
HK$86,483
baseline
▲ 0.50% · 4.625%
HK$91,745
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,966/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,534
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,962
−HK$2,464/mo
Today · 4.125%
HK$95,426
baseline
▲ 0.50% · 4.625%
HK$100,456
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,852/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,631
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,886
−HK$3,307/mo
Today · 4.125%
HK$111,193
baseline
▲ 0.50% · 4.625%
HK$117,958
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,386/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,401
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,523
−HK$3,167/mo
Today · 4.125%
HK$122,690
baseline
▲ 0.50% · 4.625%
HK$129,157
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,380/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,413 · Scale 2, in force from 26 Feb 2026)