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$58,145
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,954
−HK$1,838/mo
Today · 4.125%
HK$61,792
baseline
▲ 0.50% · 4.625%
HK$65,551
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,584/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,686
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,421
−HK$1,760/mo
Today · 4.125%
HK$68,181
baseline
▲ 0.50% · 4.625%
HK$71,775
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,362/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,774
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,945
−HK$2,205/mo
Today · 4.125%
HK$74,150
baseline
▲ 0.50% · 4.625%
HK$78,662
+HK$4,512/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,300/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,623
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,705
−HK$2,112/mo
Today · 4.125%
HK$81,817
baseline
▲ 0.50% · 4.625%
HK$86,130
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,634/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,404
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,936
−HK$2,572/mo
Today · 4.125%
HK$86,508
baseline
▲ 0.50% · 4.625%
HK$91,772
+HK$5,264/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,016/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,561
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,989
−HK$2,464/mo
Today · 4.125%
HK$95,453
baseline
▲ 0.50% · 4.625%
HK$100,485
+HK$5,032/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,906/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,662
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,917
−HK$3,308/mo
Today · 4.125%
HK$111,225
baseline
▲ 0.50% · 4.625%
HK$117,993
+HK$6,768/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,450/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,435
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,558
−HK$3,168/mo
Today · 4.125%
HK$122,726
baseline
▲ 0.50% · 4.625%
HK$129,195
+HK$6,469/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,452/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,728 · Scale 2, in force from 26 Feb 2026)