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$57,751
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,548
−HK$1,825/mo
Today · 4.125%
HK$61,373
baseline
▲ 0.50% · 4.625%
HK$65,107
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,746/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,248
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,971
−HK$1,748/mo
Today · 4.125%
HK$67,719
baseline
▲ 0.50% · 4.625%
HK$71,288
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,438/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,302
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,457
−HK$2,190/mo
Today · 4.125%
HK$73,647
baseline
▲ 0.50% · 4.625%
HK$78,129
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,294/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,097
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,165
−HK$2,098/mo
Today · 4.125%
HK$81,263
baseline
▲ 0.50% · 4.625%
HK$85,546
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,526/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,852
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,367
−HK$2,555/mo
Today · 4.125%
HK$85,922
baseline
▲ 0.50% · 4.625%
HK$91,150
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,844/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,947
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,359
−HK$2,447/mo
Today · 4.125%
HK$94,806
baseline
▲ 0.50% · 4.625%
HK$99,804
+HK$4,998/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,612/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,952
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,186
−HK$3,285/mo
Today · 4.125%
HK$110,471
baseline
▲ 0.50% · 4.625%
HK$117,193
+HK$6,722/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,942/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,646
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,748
−HK$3,146/mo
Today · 4.125%
HK$121,894
baseline
▲ 0.50% · 4.625%
HK$128,319
+HK$6,425/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,788/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,385 · Scale 2, in force from 26 Feb 2026)