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$57,574
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,365
−HK$1,820/mo
Today · 4.125%
HK$61,185
baseline
▲ 0.50% · 4.625%
HK$64,908
+HK$3,723/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,370/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,051
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,769
−HK$1,742/mo
Today · 4.125%
HK$67,511
baseline
▲ 0.50% · 4.625%
HK$71,070
+HK$3,559/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,022/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,089
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,238
−HK$2,184/mo
Today · 4.125%
HK$73,422
baseline
▲ 0.50% · 4.625%
HK$77,889
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,844/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,861
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,922
−HK$2,092/mo
Today · 4.125%
HK$81,014
baseline
▲ 0.50% · 4.625%
HK$85,284
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,028/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,604
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,111
−HK$2,548/mo
Today · 4.125%
HK$85,659
baseline
▲ 0.50% · 4.625%
HK$90,871
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,318/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,671
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,076
−HK$2,440/mo
Today · 4.125%
HK$94,516
baseline
▲ 0.50% · 4.625%
HK$99,498
+HK$4,982/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,032/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,634
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,857
−HK$3,276/mo
Today · 4.125%
HK$110,133
baseline
▲ 0.50% · 4.625%
HK$116,834
+HK$6,701/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,266/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,292
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,384
−HK$3,136/mo
Today · 4.125%
HK$121,520
baseline
▲ 0.50% · 4.625%
HK$127,926
+HK$6,406/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,040/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,085 · Scale 2, in force from 26 Feb 2026)