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$58,055
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,861
−HK$1,835/mo
Today · 4.125%
HK$61,696
baseline
▲ 0.50% · 4.625%
HK$65,450
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,392/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,586
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,318
−HK$1,757/mo
Today · 4.125%
HK$68,075
baseline
▲ 0.50% · 4.625%
HK$71,664
+HK$3,589/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,150/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,666
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,833
−HK$2,202/mo
Today · 4.125%
HK$74,035
baseline
▲ 0.50% · 4.625%
HK$78,540
+HK$4,505/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$148,070/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,503
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,582
−HK$2,108/mo
Today · 4.125%
HK$81,690
baseline
▲ 0.50% · 4.625%
HK$85,996
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.28M · min. income ≈ HK$163,380/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,277
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,805
−HK$2,569/mo
Today · 4.125%
HK$86,374
baseline
▲ 0.50% · 4.625%
HK$91,630
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,748/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,420
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,845
−HK$2,460/mo
Today · 4.125%
HK$95,305
baseline
▲ 0.50% · 4.625%
HK$100,329
+HK$5,024/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,610/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,499
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,750
−HK$3,302/mo
Today · 4.125%
HK$111,052
baseline
▲ 0.50% · 4.625%
HK$117,810
+HK$6,758/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,104/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,254
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,372
−HK$3,163/mo
Today · 4.125%
HK$122,535
baseline
▲ 0.50% · 4.625%
HK$128,994
+HK$6,459/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,070/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,048 · Scale 2, in force from 26 Feb 2026)