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$57,599
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,391
−HK$1,820/mo
Today · 4.125%
HK$61,211
baseline
▲ 0.50% · 4.625%
HK$64,936
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,422/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,079
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,797
−HK$1,743/mo
Today · 4.125%
HK$67,540
baseline
▲ 0.50% · 4.625%
HK$71,101
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,080/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,119
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,269
−HK$2,184/mo
Today · 4.125%
HK$73,453
baseline
▲ 0.50% · 4.625%
HK$77,923
+HK$4,470/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$146,906/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,894
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,956
−HK$2,093/mo
Today · 4.125%
HK$81,049
baseline
▲ 0.50% · 4.625%
HK$85,321
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$162,098/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,639
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,147
−HK$2,549/mo
Today · 4.125%
HK$85,696
baseline
▲ 0.50% · 4.625%
HK$90,910
+HK$5,214/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,392/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,710
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,116
−HK$2,441/mo
Today · 4.125%
HK$94,557
baseline
▲ 0.50% · 4.625%
HK$99,541
+HK$4,984/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,114/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,679
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,904
−HK$3,276/mo
Today · 4.125%
HK$110,180
baseline
▲ 0.50% · 4.625%
HK$116,884
+HK$6,704/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,360/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,341
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,435
−HK$3,138/mo
Today · 4.125%
HK$121,573
baseline
▲ 0.50% · 4.625%
HK$127,981
+HK$6,408/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,146/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,549 · Scale 2, in force from 26 Feb 2026)