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$57,696
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,490
−HK$1,824/mo
Today · 4.125%
HK$61,314
baseline
▲ 0.50% · 4.625%
HK$65,044
+HK$3,730/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,628/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,186
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,907
−HK$1,747/mo
Today · 4.125%
HK$67,654
baseline
▲ 0.50% · 4.625%
HK$71,220
+HK$3,566/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,308/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,235
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,388
−HK$2,188/mo
Today · 4.125%
HK$73,576
baseline
▲ 0.50% · 4.625%
HK$78,053
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,152/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,023
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,089
−HK$2,095/mo
Today · 4.125%
HK$81,184
baseline
▲ 0.50% · 4.625%
HK$85,464
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,368/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,774
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,286
−HK$2,553/mo
Today · 4.125%
HK$85,839
baseline
▲ 0.50% · 4.625%
HK$91,062
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,678/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,860
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,270
−HK$2,445/mo
Today · 4.125%
HK$94,715
baseline
▲ 0.50% · 4.625%
HK$99,707
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,430/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,852
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,082
−HK$3,282/mo
Today · 4.125%
HK$110,364
baseline
▲ 0.50% · 4.625%
HK$117,080
+HK$6,716/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,728/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,534
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,633
−HK$3,143/mo
Today · 4.125%
HK$121,776
baseline
▲ 0.50% · 4.625%
HK$128,195
+HK$6,419/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,552/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,345 · Scale 2, in force from 26 Feb 2026)