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$57,919
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,721
−HK$1,830/mo
Today · 4.125%
HK$61,551
baseline
▲ 0.50% · 4.625%
HK$65,297
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,102/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,435
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,163
−HK$1,753/mo
Today · 4.125%
HK$67,916
baseline
▲ 0.50% · 4.625%
HK$71,496
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,832/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,503
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,665
−HK$2,197/mo
Today · 4.125%
HK$73,862
baseline
▲ 0.50% · 4.625%
HK$78,356
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,724/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,321
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,395
−HK$2,104/mo
Today · 4.125%
HK$81,499
baseline
▲ 0.50% · 4.625%
HK$85,795
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,998/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,087
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,609
−HK$2,563/mo
Today · 4.125%
HK$86,172
baseline
▲ 0.50% · 4.625%
HK$91,415
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,344/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,208
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,628
−HK$2,454/mo
Today · 4.125%
HK$95,082
baseline
▲ 0.50% · 4.625%
HK$100,094
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,164/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,255
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,498
−HK$3,294/mo
Today · 4.125%
HK$110,792
baseline
▲ 0.50% · 4.625%
HK$117,534
+HK$6,742/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,584/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,982
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,093
−HK$3,155/mo
Today · 4.125%
HK$122,248
baseline
▲ 0.50% · 4.625%
HK$128,692
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,496/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,514 · Scale 2, in force from 26 Feb 2026)