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$58,127
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,935
−HK$1,837/mo
Today · 4.125%
HK$61,772
baseline
▲ 0.50% · 4.625%
HK$65,531
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,544/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,666
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,400
−HK$1,760/mo
Today · 4.125%
HK$68,160
baseline
▲ 0.50% · 4.625%
HK$71,752
+HK$3,592/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,320/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,753
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,922
−HK$2,205/mo
Today · 4.125%
HK$74,127
baseline
▲ 0.50% · 4.625%
HK$78,637
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$148,254/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,599
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,680
−HK$2,112/mo
Today · 4.125%
HK$81,792
baseline
▲ 0.50% · 4.625%
HK$86,103
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,584/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,378
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,909
−HK$2,572/mo
Today · 4.125%
HK$86,481
baseline
▲ 0.50% · 4.625%
HK$91,743
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,962/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,532
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,960
−HK$2,464/mo
Today · 4.125%
HK$95,424
baseline
▲ 0.50% · 4.625%
HK$100,453
+HK$5,029/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,848/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,629
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,884
−HK$3,306/mo
Today · 4.125%
HK$111,190
baseline
▲ 0.50% · 4.625%
HK$117,956
+HK$6,766/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,380/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,399
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,520
−HK$3,167/mo
Today · 4.125%
HK$122,687
baseline
▲ 0.50% · 4.625%
HK$129,154
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,374/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,390 · Scale 2, in force from 26 Feb 2026)