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$59,491
−HK$1,823/mo
Today · 4.125%
HK$61,314
baseline
▲ 0.50% · 4.625%
HK$65,045
+HK$3,731/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$1,075,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,186
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,908
−HK$1,746/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$1,075,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,235
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,389
−HK$2,188/mo
Today · 4.125%
HK$73,577
baseline
▲ 0.50% · 4.625%
HK$78,054
+HK$4,477/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$147,154/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,023
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,089
−HK$2,096/mo
Today · 4.125%
HK$81,185
baseline
▲ 0.50% · 4.625%
HK$85,464
+HK$4,279/mo
Deposit HK$10.12M · loan HK$15.18M · min. income ≈ HK$162,370/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,774
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,287
−HK$2,553/mo
Today · 4.125%
HK$85,840
baseline
▲ 0.50% · 4.625%
HK$91,063
+HK$5,223/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$171,680/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,861
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,271
−HK$2,445/mo
Today · 4.125%
HK$94,716
baseline
▲ 0.50% · 4.625%
HK$99,708
+HK$4,992/mo
Deposit HK$7.59M · loan HK$17.71M · min. income ≈ HK$189,432/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,853
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,083
−HK$3,282/mo
Today · 4.125%
HK$110,365
baseline
▲ 0.50% · 4.625%
HK$117,081
+HK$6,716/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$220,730/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,535
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,634
−HK$3,143/mo
Today · 4.125%
HK$121,777
baseline
▲ 0.50% · 4.625%
HK$128,196
+HK$6,419/mo
Deposit HK$2.53M · loan HK$22.77M · min. income ≈ HK$243,554/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,354 · Scale 2, in force from 26 Feb 2026)