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$57,689
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,484
−HK$1,823/mo
Today · 4.125%
HK$61,307
baseline
▲ 0.50% · 4.625%
HK$65,037
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,614/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,179
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,900
−HK$1,746/mo
Today · 4.125%
HK$67,646
baseline
▲ 0.50% · 4.625%
HK$71,212
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,292/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,075,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,227
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,381
−HK$2,187/mo
Today · 4.125%
HK$73,568
baseline
▲ 0.50% · 4.625%
HK$78,045
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,136/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,015
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,080
−HK$2,096/mo
Today · 4.125%
HK$81,176
baseline
▲ 0.50% · 4.625%
HK$85,454
+HK$4,278/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,352/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,765
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,277
−HK$2,553/mo
Today · 4.125%
HK$85,830
baseline
▲ 0.50% · 4.625%
HK$91,052
+HK$5,222/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,660/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,850
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,260
−HK$2,445/mo
Today · 4.125%
HK$94,705
baseline
▲ 0.50% · 4.625%
HK$99,697
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,410/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,841
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,071
−HK$3,282/mo
Today · 4.125%
HK$110,353
baseline
▲ 0.50% · 4.625%
HK$117,067
+HK$6,714/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,706/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,522
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,620
−HK$3,143/mo
Today · 4.125%
HK$121,763
baseline
▲ 0.50% · 4.625%
HK$128,182
+HK$6,419/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,526/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,230 · Scale 2, in force from 26 Feb 2026)