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$57,638
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,431
−HK$1,821/mo
Today · 4.125%
HK$61,252
baseline
▲ 0.50% · 4.625%
HK$64,979
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,504/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,122
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,841
−HK$1,745/mo
Today · 4.125%
HK$67,586
baseline
▲ 0.50% · 4.625%
HK$71,149
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,172/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,166
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,317
−HK$2,186/mo
Today · 4.125%
HK$73,503
baseline
▲ 0.50% · 4.625%
HK$77,975
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,006/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,946
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,010
−HK$2,093/mo
Today · 4.125%
HK$81,103
baseline
▲ 0.50% · 4.625%
HK$85,378
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,206/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,693
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,203
−HK$2,550/mo
Today · 4.125%
HK$85,753
baseline
▲ 0.50% · 4.625%
HK$90,971
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,506/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,770
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,178
−HK$2,442/mo
Today · 4.125%
HK$94,620
baseline
▲ 0.50% · 4.625%
HK$99,608
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,240/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,748
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,976
−HK$3,278/mo
Today · 4.125%
HK$110,254
baseline
▲ 0.50% · 4.625%
HK$116,963
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,508/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,419
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,515
−HK$3,140/mo
Today · 4.125%
HK$121,655
baseline
▲ 0.50% · 4.625%
HK$128,067
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,310/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,272 · Scale 2, in force from 26 Feb 2026)