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$57,921
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,723
−HK$1,830/mo
Today · 4.125%
HK$61,553
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,746/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,106/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,437
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,165
−HK$1,753/mo
Today · 4.125%
HK$67,918
baseline
▲ 0.50% · 4.625%
HK$71,498
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,836/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,505
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,667
−HK$2,197/mo
Today · 4.125%
HK$73,864
baseline
▲ 0.50% · 4.625%
HK$78,359
+HK$4,495/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,728/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,324
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,398
−HK$2,104/mo
Today · 4.125%
HK$81,502
baseline
▲ 0.50% · 4.625%
HK$85,798
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$163,004/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,090
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,612
−HK$2,563/mo
Today · 4.125%
HK$86,175
baseline
▲ 0.50% · 4.625%
HK$91,418
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,350/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,211
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,631
−HK$2,454/mo
Today · 4.125%
HK$95,085
baseline
▲ 0.50% · 4.625%
HK$100,097
+HK$5,012/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,170/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,258
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,501
−HK$3,295/mo
Today · 4.125%
HK$110,796
baseline
▲ 0.50% · 4.625%
HK$117,538
+HK$6,742/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,592/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,986
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,097
−HK$3,156/mo
Today · 4.125%
HK$122,253
baseline
▲ 0.50% · 4.625%
HK$128,697
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,506/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,551 · Scale 2, in force from 26 Feb 2026)