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$57,867
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,667
−HK$1,829/mo
Today · 4.125%
HK$61,496
baseline
▲ 0.50% · 4.625%
HK$65,238
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,992/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,377
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,103
−HK$1,752/mo
Today · 4.125%
HK$67,855
baseline
▲ 0.50% · 4.625%
HK$71,432
+HK$3,577/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,710/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,441
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,601
−HK$2,194/mo
Today · 4.125%
HK$73,795
baseline
▲ 0.50% · 4.625%
HK$78,286
+HK$4,491/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,590/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,252
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,324
−HK$2,102/mo
Today · 4.125%
HK$81,426
baseline
▲ 0.50% · 4.625%
HK$85,718
+HK$4,292/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,852/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,014
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,534
−HK$2,561/mo
Today · 4.125%
HK$86,095
baseline
▲ 0.50% · 4.625%
HK$91,333
+HK$5,238/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,190/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,127
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,545
−HK$2,452/mo
Today · 4.125%
HK$94,997
baseline
▲ 0.50% · 4.625%
HK$100,004
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,994/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,161
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,401
−HK$3,292/mo
Today · 4.125%
HK$110,693
baseline
▲ 0.50% · 4.625%
HK$117,428
+HK$6,735/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,386/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,878
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,986
−HK$3,153/mo
Today · 4.125%
HK$122,139
baseline
▲ 0.50% · 4.625%
HK$128,577
+HK$6,438/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,278/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,546 · Scale 2, in force from 26 Feb 2026)