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$57,898
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,699
−HK$1,830/mo
Today · 4.125%
HK$61,529
baseline
▲ 0.50% · 4.625%
HK$65,273
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,058/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,411
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,139
−HK$1,752/mo
Today · 4.125%
HK$67,891
baseline
▲ 0.50% · 4.625%
HK$71,470
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,782/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,079,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,478
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,639
−HK$2,196/mo
Today · 4.125%
HK$73,835
baseline
▲ 0.50% · 4.625%
HK$78,327
+HK$4,492/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,670/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,293
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,366
−HK$2,103/mo
Today · 4.125%
HK$81,469
baseline
▲ 0.50% · 4.625%
HK$85,764
+HK$4,295/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,938/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,057
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,579
−HK$2,561/mo
Today · 4.125%
HK$86,140
baseline
▲ 0.50% · 4.625%
HK$91,382
+HK$5,242/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,280/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,176
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,594
−HK$2,454/mo
Today · 4.125%
HK$95,048
baseline
▲ 0.50% · 4.625%
HK$100,058
+HK$5,010/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,096/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,217
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,458
−HK$3,294/mo
Today · 4.125%
HK$110,752
baseline
▲ 0.50% · 4.625%
HK$117,491
+HK$6,739/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,504/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,940
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,050
−HK$3,154/mo
Today · 4.125%
HK$122,204
baseline
▲ 0.50% · 4.625%
HK$128,645
+HK$6,441/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,408/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,122 · Scale 2, in force from 26 Feb 2026)