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$57,811
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,609
−HK$1,827/mo
Today · 4.125%
HK$61,436
baseline
▲ 0.50% · 4.625%
HK$65,174
+HK$3,738/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,872/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,314
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,039
−HK$1,750/mo
Today · 4.125%
HK$67,789
baseline
▲ 0.50% · 4.625%
HK$71,362
+HK$3,573/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,578/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,373
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,531
−HK$2,192/mo
Today · 4.125%
HK$73,723
baseline
▲ 0.50% · 4.625%
HK$78,209
+HK$4,486/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,446/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,177
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,247
−HK$2,100/mo
Today · 4.125%
HK$81,347
baseline
▲ 0.50% · 4.625%
HK$85,634
+HK$4,287/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,694/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,935
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,453
−HK$2,558/mo
Today · 4.125%
HK$86,011
baseline
▲ 0.50% · 4.625%
HK$91,244
+HK$5,233/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,022/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,040
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,455
−HK$2,449/mo
Today · 4.125%
HK$94,904
baseline
▲ 0.50% · 4.625%
HK$99,907
+HK$5,003/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,808/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,060
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,297
−HK$3,288/mo
Today · 4.125%
HK$110,585
baseline
▲ 0.50% · 4.625%
HK$117,314
+HK$6,729/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,170/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,765
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,870
−HK$3,150/mo
Today · 4.125%
HK$122,020
baseline
▲ 0.50% · 4.625%
HK$128,452
+HK$6,432/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,040/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,496 · Scale 2, in force from 26 Feb 2026)