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$57,856
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,656
−HK$1,828/mo
Today · 4.125%
HK$61,484
baseline
▲ 0.50% · 4.625%
HK$65,225
+HK$3,741/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$122,968/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,364
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,090
−HK$1,752/mo
Today · 4.125%
HK$67,842
baseline
▲ 0.50% · 4.625%
HK$71,418
+HK$3,576/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,684/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,078,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,427
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,587
−HK$2,194/mo
Today · 4.125%
HK$73,781
baseline
▲ 0.50% · 4.625%
HK$78,270
+HK$4,489/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$147,562/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,237
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,309
−HK$2,101/mo
Today · 4.125%
HK$81,410
baseline
▲ 0.50% · 4.625%
HK$85,701
+HK$4,291/mo
Deposit HK$10.15M · loan HK$15.22M · min. income ≈ HK$162,820/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,998
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,518
−HK$2,560/mo
Today · 4.125%
HK$86,078
baseline
▲ 0.50% · 4.625%
HK$91,315
+HK$5,237/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$172,156/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,110
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,527
−HK$2,451/mo
Today · 4.125%
HK$94,978
baseline
▲ 0.50% · 4.625%
HK$99,985
+HK$5,007/mo
Deposit HK$7.61M · loan HK$17.76M · min. income ≈ HK$189,956/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,141
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,380
−HK$3,291/mo
Today · 4.125%
HK$110,671
baseline
▲ 0.50% · 4.625%
HK$117,405
+HK$6,734/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,342/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,856
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,963
−HK$3,152/mo
Today · 4.125%
HK$122,115
baseline
▲ 0.50% · 4.625%
HK$128,552
+HK$6,437/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,230/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,335 · Scale 2, in force from 26 Feb 2026)