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$57,806
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,604
−HK$1,827/mo
Today · 4.125%
HK$61,431
baseline
▲ 0.50% · 4.625%
HK$65,169
+HK$3,738/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,862/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,309
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,034
−HK$1,749/mo
Today · 4.125%
HK$67,783
baseline
▲ 0.50% · 4.625%
HK$71,356
+HK$3,573/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,566/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,368
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,525
−HK$2,193/mo
Today · 4.125%
HK$73,718
baseline
▲ 0.50% · 4.625%
HK$78,203
+HK$4,485/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,436/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,171
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,241
−HK$2,099/mo
Today · 4.125%
HK$81,340
baseline
▲ 0.50% · 4.625%
HK$85,628
+HK$4,288/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,680/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,929
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,446
−HK$2,558/mo
Today · 4.125%
HK$86,004
baseline
▲ 0.50% · 4.625%
HK$91,237
+HK$5,233/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,008/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,033
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,447
−HK$2,450/mo
Today · 4.125%
HK$94,897
baseline
▲ 0.50% · 4.625%
HK$99,899
+HK$5,002/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,794/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,051
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,288
−HK$3,288/mo
Today · 4.125%
HK$110,576
baseline
▲ 0.50% · 4.625%
HK$117,305
+HK$6,729/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,152/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,756
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,861
−HK$3,149/mo
Today · 4.125%
HK$122,010
baseline
▲ 0.50% · 4.625%
HK$128,442
+HK$6,432/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,020/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,411 · Scale 2, in force from 26 Feb 2026)