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$57,902
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,703
−HK$1,830/mo
Today · 4.125%
HK$61,533
baseline
▲ 0.50% · 4.625%
HK$65,277
+HK$3,744/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,066/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,415
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,143
−HK$1,752/mo
Today · 4.125%
HK$67,895
baseline
▲ 0.50% · 4.625%
HK$71,474
+HK$3,579/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,790/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,482
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,644
−HK$2,195/mo
Today · 4.125%
HK$73,839
baseline
▲ 0.50% · 4.625%
HK$78,332
+HK$4,493/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,678/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,298
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,371
−HK$2,104/mo
Today · 4.125%
HK$81,475
baseline
▲ 0.50% · 4.625%
HK$85,769
+HK$4,294/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,950/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,063
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,584
−HK$2,562/mo
Today · 4.125%
HK$86,146
baseline
▲ 0.50% · 4.625%
HK$91,388
+HK$5,242/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,292/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,181
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,600
−HK$2,454/mo
Today · 4.125%
HK$95,054
baseline
▲ 0.50% · 4.625%
HK$100,064
+HK$5,010/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,108/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,223
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,465
−HK$3,294/mo
Today · 4.125%
HK$110,759
baseline
▲ 0.50% · 4.625%
HK$117,499
+HK$6,740/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,518/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,948
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,057
−HK$3,155/mo
Today · 4.125%
HK$122,212
baseline
▲ 0.50% · 4.625%
HK$128,654
+HK$6,442/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,424/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,191 · Scale 2, in force from 26 Feb 2026)