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$57,737
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,533
−HK$1,825/mo
Today · 4.125%
HK$61,358
baseline
▲ 0.50% · 4.625%
HK$65,091
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,716/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,232
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,955
−HK$1,747/mo
Today · 4.125%
HK$67,702
baseline
▲ 0.50% · 4.625%
HK$71,271
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,404/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,285
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,440
−HK$2,189/mo
Today · 4.125%
HK$73,629
baseline
▲ 0.50% · 4.625%
HK$78,110
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,258/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,079
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,146
−HK$2,097/mo
Today · 4.125%
HK$81,243
baseline
▲ 0.50% · 4.625%
HK$85,525
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,486/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,832
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,347
−HK$2,554/mo
Today · 4.125%
HK$85,901
baseline
▲ 0.50% · 4.625%
HK$91,128
+HK$5,227/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,802/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,925
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,337
−HK$2,446/mo
Today · 4.125%
HK$94,783
baseline
▲ 0.50% · 4.625%
HK$99,780
+HK$4,997/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,566/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,927
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,160
−HK$3,284/mo
Today · 4.125%
HK$110,444
baseline
▲ 0.50% · 4.625%
HK$117,165
+HK$6,721/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,888/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,618
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,719
−HK$3,145/mo
Today · 4.125%
HK$121,864
baseline
▲ 0.50% · 4.625%
HK$128,288
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,728/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,123 · Scale 2, in force from 26 Feb 2026)