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$57,569
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,359
−HK$1,820/mo
Today · 4.125%
HK$61,179
baseline
▲ 0.50% · 4.625%
HK$64,901
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,358/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,072,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,045
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,762
−HK$1,743/mo
Today · 4.125%
HK$67,505
baseline
▲ 0.50% · 4.625%
HK$71,063
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,010/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,072,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,082
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,231
−HK$2,183/mo
Today · 4.125%
HK$73,414
baseline
▲ 0.50% · 4.625%
HK$77,882
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,828/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,853
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,915
−HK$2,091/mo
Today · 4.125%
HK$81,006
baseline
▲ 0.50% · 4.625%
HK$85,275
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,012/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,596
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,103
−HK$2,547/mo
Today · 4.125%
HK$85,650
baseline
▲ 0.50% · 4.625%
HK$90,862
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,300/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,662
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,067
−HK$2,440/mo
Today · 4.125%
HK$94,507
baseline
▲ 0.50% · 4.625%
HK$99,488
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,014/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,624
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,847
−HK$3,275/mo
Today · 4.125%
HK$110,122
baseline
▲ 0.50% · 4.625%
HK$116,822
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,244/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,280
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,372
−HK$3,136/mo
Today · 4.125%
HK$121,508
baseline
▲ 0.50% · 4.625%
HK$127,913
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,016/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,979 · Scale 2, in force from 26 Feb 2026)