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$57,831
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,630
−HK$1,828/mo
Today · 4.125%
HK$61,458
baseline
▲ 0.50% · 4.625%
HK$65,198
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,916/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,337
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,062
−HK$1,751/mo
Today · 4.125%
HK$67,813
baseline
▲ 0.50% · 4.625%
HK$71,387
+HK$3,574/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,626/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,398
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,556
−HK$2,194/mo
Today · 4.125%
HK$73,750
baseline
▲ 0.50% · 4.625%
HK$78,237
+HK$4,487/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$147,500/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,204
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,275
−HK$2,100/mo
Today · 4.125%
HK$81,375
baseline
▲ 0.50% · 4.625%
HK$85,665
+HK$4,290/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$162,750/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,964
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,482
−HK$2,559/mo
Today · 4.125%
HK$86,041
baseline
▲ 0.50% · 4.625%
HK$91,277
+HK$5,236/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,082/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,072
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,487
−HK$2,451/mo
Today · 4.125%
HK$94,938
baseline
▲ 0.50% · 4.625%
HK$99,942
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,876/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,097
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,335
−HK$3,289/mo
Today · 4.125%
HK$110,624
baseline
▲ 0.50% · 4.625%
HK$117,356
+HK$6,732/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,248/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,806
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,912
−HK$3,151/mo
Today · 4.125%
HK$122,063
baseline
▲ 0.50% · 4.625%
HK$128,497
+HK$6,434/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,126/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,877 · Scale 2, in force from 26 Feb 2026)