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$57,792
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,589
−HK$1,827/mo
Today · 4.125%
HK$61,416
baseline
▲ 0.50% · 4.625%
HK$65,153
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,832/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,293
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,017
−HK$1,749/mo
Today · 4.125%
HK$67,766
baseline
▲ 0.50% · 4.625%
HK$71,338
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,532/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,350
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,507
−HK$2,192/mo
Today · 4.125%
HK$73,699
baseline
▲ 0.50% · 4.625%
HK$78,183
+HK$4,484/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,398/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,151
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,220
−HK$2,100/mo
Today · 4.125%
HK$81,320
baseline
▲ 0.50% · 4.625%
HK$85,606
+HK$4,286/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,640/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,908
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,425
−HK$2,557/mo
Today · 4.125%
HK$85,982
baseline
▲ 0.50% · 4.625%
HK$91,214
+HK$5,232/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,964/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,010
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,424
−HK$2,449/mo
Today · 4.125%
HK$94,873
baseline
▲ 0.50% · 4.625%
HK$99,874
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,746/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,025
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,261
−HK$3,287/mo
Today · 4.125%
HK$110,548
baseline
▲ 0.50% · 4.625%
HK$117,275
+HK$6,727/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,096/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,727
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,831
−HK$3,148/mo
Today · 4.125%
HK$121,979
baseline
▲ 0.50% · 4.625%
HK$128,409
+HK$6,430/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,958/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,138 · Scale 2, in force from 26 Feb 2026)