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$57,518
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,307
−HK$1,818/mo
Today · 4.125%
HK$61,125
baseline
▲ 0.50% · 4.625%
HK$64,844
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,250/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,988
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,704
−HK$1,741/mo
Today · 4.125%
HK$67,445
baseline
▲ 0.50% · 4.625%
HK$71,000
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,890/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,021
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,168
−HK$2,181/mo
Today · 4.125%
HK$73,349
baseline
▲ 0.50% · 4.625%
HK$77,813
+HK$4,464/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,698/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,785
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,845
−HK$2,089/mo
Today · 4.125%
HK$80,934
baseline
▲ 0.50% · 4.625%
HK$85,200
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,868/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,525
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,030
−HK$2,544/mo
Today · 4.125%
HK$85,574
baseline
▲ 0.50% · 4.625%
HK$90,781
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,148/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,583
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,986
−HK$2,437/mo
Today · 4.125%
HK$94,423
baseline
▲ 0.50% · 4.625%
HK$99,400
+HK$4,977/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,846/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,532
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,752
−HK$3,272/mo
Today · 4.125%
HK$110,024
baseline
▲ 0.50% · 4.625%
HK$116,719
+HK$6,695/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,048/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,178
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,267
−HK$3,134/mo
Today · 4.125%
HK$121,401
baseline
▲ 0.50% · 4.625%
HK$127,800
+HK$6,399/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,802/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,030 · Scale 2, in force from 26 Feb 2026)