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$57,897
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,698
−HK$1,830/mo
Today · 4.125%
HK$61,528
baseline
▲ 0.50% · 4.625%
HK$65,271
+HK$3,743/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,056/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,410
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,137
−HK$1,753/mo
Today · 4.125%
HK$67,890
baseline
▲ 0.50% · 4.625%
HK$71,468
+HK$3,578/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,780/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,476
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,637
−HK$2,196/mo
Today · 4.125%
HK$73,833
baseline
▲ 0.50% · 4.625%
HK$78,326
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,666/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,292
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,365
−HK$2,102/mo
Today · 4.125%
HK$81,467
baseline
▲ 0.50% · 4.625%
HK$85,762
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,934/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,056
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,577
−HK$2,562/mo
Today · 4.125%
HK$86,139
baseline
▲ 0.50% · 4.625%
HK$91,380
+HK$5,241/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,278/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,174
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,592
−HK$2,453/mo
Today · 4.125%
HK$95,045
baseline
▲ 0.50% · 4.625%
HK$100,055
+HK$5,010/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,090/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,214
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,456
−HK$3,294/mo
Today · 4.125%
HK$110,750
baseline
▲ 0.50% · 4.625%
HK$117,488
+HK$6,738/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,500/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,937
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,047
−HK$3,154/mo
Today · 4.125%
HK$122,201
baseline
▲ 0.50% · 4.625%
HK$128,643
+HK$6,442/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,402/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,098 · Scale 2, in force from 26 Feb 2026)