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$57,697
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,492
−HK$1,824/mo
Today · 4.125%
HK$61,316
baseline
▲ 0.50% · 4.625%
HK$65,047
+HK$3,731/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,632/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,188
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,909
−HK$1,747/mo
Today · 4.125%
HK$67,656
baseline
▲ 0.50% · 4.625%
HK$71,222
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,312/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,237
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,391
−HK$2,188/mo
Today · 4.125%
HK$73,579
baseline
▲ 0.50% · 4.625%
HK$78,056
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,158/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,025
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,091
−HK$2,096/mo
Today · 4.125%
HK$81,187
baseline
▲ 0.50% · 4.625%
HK$85,466
+HK$4,279/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,374/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,776
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,289
−HK$2,553/mo
Today · 4.125%
HK$85,842
baseline
▲ 0.50% · 4.625%
HK$91,065
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,684/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,863
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,273
−HK$2,445/mo
Today · 4.125%
HK$94,718
baseline
▲ 0.50% · 4.625%
HK$99,711
+HK$4,993/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,436/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,855
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,086
−HK$3,282/mo
Today · 4.125%
HK$110,368
baseline
▲ 0.50% · 4.625%
HK$117,084
+HK$6,716/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,736/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,538
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,637
−HK$3,143/mo
Today · 4.125%
HK$121,780
baseline
▲ 0.50% · 4.625%
HK$128,199
+HK$6,419/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,560/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,380 · Scale 2, in force from 26 Feb 2026)