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$57,676
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,470
−HK$1,823/mo
Today · 4.125%
HK$61,293
baseline
▲ 0.50% · 4.625%
HK$65,023
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,586/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,164
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,885
−HK$1,746/mo
Today · 4.125%
HK$67,631
baseline
▲ 0.50% · 4.625%
HK$71,196
+HK$3,565/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,262/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,211
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,364
−HK$2,188/mo
Today · 4.125%
HK$73,552
baseline
▲ 0.50% · 4.625%
HK$78,027
+HK$4,475/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,104/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,997
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,062
−HK$2,095/mo
Today · 4.125%
HK$81,157
baseline
▲ 0.50% · 4.625%
HK$85,435
+HK$4,278/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,314/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,747
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,258
−HK$2,552/mo
Today · 4.125%
HK$85,810
baseline
▲ 0.50% · 4.625%
HK$91,032
+HK$5,222/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,620/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,830
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,239
−HK$2,444/mo
Today · 4.125%
HK$94,683
baseline
▲ 0.50% · 4.625%
HK$99,674
+HK$4,991/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,366/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,817
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,046
−HK$3,281/mo
Today · 4.125%
HK$110,327
baseline
▲ 0.50% · 4.625%
HK$117,041
+HK$6,714/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,654/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,495
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,593
−HK$3,142/mo
Today · 4.125%
HK$121,735
baseline
▲ 0.50% · 4.625%
HK$128,152
+HK$6,417/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,470/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,984 · Scale 2, in force from 26 Feb 2026)