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$58,133
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,941
−HK$1,837/mo
Today · 4.125%
HK$61,778
baseline
▲ 0.50% · 4.625%
HK$65,537
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,556/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,672
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,407
−HK$1,759/mo
Today · 4.125%
HK$68,166
baseline
▲ 0.50% · 4.625%
HK$71,759
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,332/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,759
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,929
−HK$2,205/mo
Today · 4.125%
HK$74,134
baseline
▲ 0.50% · 4.625%
HK$78,645
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,268/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,607
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,688
−HK$2,112/mo
Today · 4.125%
HK$81,800
baseline
▲ 0.50% · 4.625%
HK$86,111
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,600/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,386
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,918
−HK$2,572/mo
Today · 4.125%
HK$86,490
baseline
▲ 0.50% · 4.625%
HK$91,752
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$172,980/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,541
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,969
−HK$2,464/mo
Today · 4.125%
HK$95,433
baseline
▲ 0.50% · 4.625%
HK$100,463
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,866/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,639
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,894
−HK$3,307/mo
Today · 4.125%
HK$111,201
baseline
▲ 0.50% · 4.625%
HK$117,967
+HK$6,766/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,402/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,410
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,532
−HK$3,167/mo
Today · 4.125%
HK$122,699
baseline
▲ 0.50% · 4.625%
HK$129,167
+HK$6,468/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,398/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,496 · Scale 2, in force from 26 Feb 2026)