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$57,854
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,653
−HK$1,829/mo
Today · 4.125%
HK$61,482
baseline
▲ 0.50% · 4.625%
HK$65,223
+HK$3,741/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,964/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,362
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,088
−HK$1,751/mo
Today · 4.125%
HK$67,839
baseline
▲ 0.50% · 4.625%
HK$71,415
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,678/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,424
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,584
−HK$2,194/mo
Today · 4.125%
HK$73,778
baseline
▲ 0.50% · 4.625%
HK$78,267
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,556/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,234
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,305
−HK$2,102/mo
Today · 4.125%
HK$81,407
baseline
▲ 0.50% · 4.625%
HK$85,698
+HK$4,291/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,814/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,995
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,514
−HK$2,560/mo
Today · 4.125%
HK$86,074
baseline
▲ 0.50% · 4.625%
HK$91,312
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,148/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,106
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,523
−HK$2,451/mo
Today · 4.125%
HK$94,974
baseline
▲ 0.50% · 4.625%
HK$99,981
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,948/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,137
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,376
−HK$3,291/mo
Today · 4.125%
HK$110,667
baseline
▲ 0.50% · 4.625%
HK$117,401
+HK$6,734/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$221,334/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,851
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,958
−HK$3,152/mo
Today · 4.125%
HK$122,110
baseline
▲ 0.50% · 4.625%
HK$128,547
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.83M · min. income ≈ HK$244,220/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,291 · Scale 2, in force from 26 Feb 2026)