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$57,862
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,661
−HK$1,829/mo
Today · 4.125%
HK$61,490
baseline
▲ 0.50% · 4.625%
HK$65,232
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,980/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,370
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,097
−HK$1,751/mo
Today · 4.125%
HK$67,848
baseline
▲ 0.50% · 4.625%
HK$71,425
+HK$3,577/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,696/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,434
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,594
−HK$2,194/mo
Today · 4.125%
HK$73,788
baseline
▲ 0.50% · 4.625%
HK$78,278
+HK$4,490/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,576/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,245
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,316
−HK$2,102/mo
Today · 4.125%
HK$81,418
baseline
▲ 0.50% · 4.625%
HK$85,710
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,836/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,006
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,526
−HK$2,560/mo
Today · 4.125%
HK$86,086
baseline
▲ 0.50% · 4.625%
HK$91,324
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,172/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,119
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,536
−HK$2,452/mo
Today · 4.125%
HK$94,988
baseline
▲ 0.50% · 4.625%
HK$99,994
+HK$5,006/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,976/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,151
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,391
−HK$3,291/mo
Today · 4.125%
HK$110,682
baseline
▲ 0.50% · 4.625%
HK$117,417
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,364/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,867
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,974
−HK$3,153/mo
Today · 4.125%
HK$122,127
baseline
▲ 0.50% · 4.625%
HK$128,564
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,254/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,440 · Scale 2, in force from 26 Feb 2026)