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$57,550
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,340
−HK$1,819/mo
Today · 4.125%
HK$61,159
baseline
▲ 0.50% · 4.625%
HK$64,880
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,318/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,024
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,741
−HK$1,742/mo
Today · 4.125%
HK$67,483
baseline
▲ 0.50% · 4.625%
HK$71,040
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,966/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,060
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,208
−HK$2,182/mo
Today · 4.125%
HK$73,390
baseline
▲ 0.50% · 4.625%
HK$77,856
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$146,780/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,828
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,889
−HK$2,090/mo
Today · 4.125%
HK$80,979
baseline
▲ 0.50% · 4.625%
HK$85,248
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$161,958/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,570
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,076
−HK$2,546/mo
Today · 4.125%
HK$85,622
baseline
▲ 0.50% · 4.625%
HK$90,832
+HK$5,210/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,244/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,633
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,037
−HK$2,439/mo
Today · 4.125%
HK$94,476
baseline
▲ 0.50% · 4.625%
HK$99,455
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,952/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,590
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,812
−HK$3,274/mo
Today · 4.125%
HK$110,086
baseline
▲ 0.50% · 4.625%
HK$116,784
+HK$6,698/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,172/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,242
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,333
−HK$3,136/mo
Today · 4.125%
HK$121,469
baseline
▲ 0.50% · 4.625%
HK$127,871
+HK$6,402/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,938/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,627 · Scale 2, in force from 26 Feb 2026)