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$58,157
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,966
−HK$1,838/mo
Today · 4.125%
HK$61,804
baseline
▲ 0.50% · 4.625%
HK$65,564
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,608/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,699
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,434
−HK$1,760/mo
Today · 4.125%
HK$68,194
baseline
▲ 0.50% · 4.625%
HK$71,789
+HK$3,595/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,388/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,788
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,959
−HK$2,205/mo
Today · 4.125%
HK$74,164
baseline
▲ 0.50% · 4.625%
HK$78,677
+HK$4,513/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,328/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,638
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,721
−HK$2,112/mo
Today · 4.125%
HK$81,833
baseline
▲ 0.50% · 4.625%
HK$86,147
+HK$4,314/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,666/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,419
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,952
−HK$2,573/mo
Today · 4.125%
HK$86,525
baseline
▲ 0.50% · 4.625%
HK$91,790
+HK$5,265/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,050/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,578
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,007
−HK$2,465/mo
Today · 4.125%
HK$95,472
baseline
▲ 0.50% · 4.625%
HK$100,504
+HK$5,032/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,944/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,682
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$107,938
−HK$3,308/mo
Today · 4.125%
HK$111,246
baseline
▲ 0.50% · 4.625%
HK$118,016
+HK$6,770/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,492/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,458
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,581
−HK$3,168/mo
Today · 4.125%
HK$122,749
baseline
▲ 0.50% · 4.625%
HK$129,220
+HK$6,471/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,498/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,939 · Scale 2, in force from 26 Feb 2026)