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$57,929
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,731
−HK$1,830/mo
Today · 4.125%
HK$61,561
baseline
▲ 0.50% · 4.625%
HK$65,307
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,122/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,445
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,174
−HK$1,753/mo
Today · 4.125%
HK$67,927
baseline
▲ 0.50% · 4.625%
HK$71,507
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,854/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,515
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,677
−HK$2,197/mo
Today · 4.125%
HK$73,874
baseline
▲ 0.50% · 4.625%
HK$78,369
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,748/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,334
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,408
−HK$2,104/mo
Today · 4.125%
HK$81,512
baseline
▲ 0.50% · 4.625%
HK$85,809
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,024/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,100
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,623
−HK$2,563/mo
Today · 4.125%
HK$86,186
baseline
▲ 0.50% · 4.625%
HK$91,430
+HK$5,244/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,372/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,223
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,643
−HK$2,455/mo
Today · 4.125%
HK$95,098
baseline
▲ 0.50% · 4.625%
HK$100,110
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,196/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,272
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,515
−HK$3,296/mo
Today · 4.125%
HK$110,811
baseline
▲ 0.50% · 4.625%
HK$117,553
+HK$6,742/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,622/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,001
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,112
−HK$3,157/mo
Today · 4.125%
HK$122,269
baseline
▲ 0.50% · 4.625%
HK$128,713
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,538/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,692 · Scale 2, in force from 26 Feb 2026)