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$57,895
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,696
−HK$1,830/mo
Today · 4.125%
HK$61,526
baseline
▲ 0.50% · 4.625%
HK$65,270
+HK$3,744/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,052/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,408
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,136
−HK$1,752/mo
Today · 4.125%
HK$67,888
baseline
▲ 0.50% · 4.625%
HK$71,466
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,776/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,475
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,636
−HK$2,195/mo
Today · 4.125%
HK$73,831
baseline
▲ 0.50% · 4.625%
HK$78,324
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,662/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,290
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,363
−HK$2,103/mo
Today · 4.125%
HK$81,466
baseline
▲ 0.50% · 4.625%
HK$85,760
+HK$4,294/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,932/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,054
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,575
−HK$2,561/mo
Today · 4.125%
HK$86,136
baseline
▲ 0.50% · 4.625%
HK$91,378
+HK$5,242/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,272/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,171
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,590
−HK$2,453/mo
Today · 4.125%
HK$95,043
baseline
▲ 0.50% · 4.625%
HK$100,053
+HK$5,010/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,086/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,212
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,453
−HK$3,294/mo
Today · 4.125%
HK$110,747
baseline
▲ 0.50% · 4.625%
HK$117,486
+HK$6,739/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,494/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,935
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,044
−HK$3,154/mo
Today · 4.125%
HK$122,198
baseline
▲ 0.50% · 4.625%
HK$128,639
+HK$6,441/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,396/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,071 · Scale 2, in force from 26 Feb 2026)