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$57,925
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,727
−HK$1,830/mo
Today · 4.125%
HK$61,557
baseline
▲ 0.50% · 4.625%
HK$65,303
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,114/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,441
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,169
−HK$1,754/mo
Today · 4.125%
HK$67,923
baseline
▲ 0.50% · 4.625%
HK$71,503
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,846/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,510
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,672
−HK$2,197/mo
Today · 4.125%
HK$73,869
baseline
▲ 0.50% · 4.625%
HK$78,364
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,738/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,329
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,403
−HK$2,104/mo
Today · 4.125%
HK$81,507
baseline
▲ 0.50% · 4.625%
HK$85,803
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,014/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,095
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,618
−HK$2,562/mo
Today · 4.125%
HK$86,180
baseline
▲ 0.50% · 4.625%
HK$91,424
+HK$5,244/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,360/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,217
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,637
−HK$2,455/mo
Today · 4.125%
HK$95,092
baseline
▲ 0.50% · 4.625%
HK$100,104
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,184/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,265
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,508
−HK$3,295/mo
Today · 4.125%
HK$110,803
baseline
▲ 0.50% · 4.625%
HK$117,545
+HK$6,742/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,606/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,994
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,105
−HK$3,156/mo
Today · 4.125%
HK$122,261
baseline
▲ 0.50% · 4.625%
HK$128,705
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,522/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,622 · Scale 2, in force from 26 Feb 2026)