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$57,663
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,457
−HK$1,822/mo
Today · 4.125%
HK$61,279
baseline
▲ 0.50% · 4.625%
HK$65,008
+HK$3,729/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,558/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,150
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,870
−HK$1,746/mo
Today · 4.125%
HK$67,616
baseline
▲ 0.50% · 4.625%
HK$71,180
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,232/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,196
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,349
−HK$2,186/mo
Today · 4.125%
HK$73,535
baseline
▲ 0.50% · 4.625%
HK$78,010
+HK$4,475/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$147,070/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,980
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,045
−HK$2,094/mo
Today · 4.125%
HK$81,139
baseline
▲ 0.50% · 4.625%
HK$85,416
+HK$4,277/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$162,278/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,729
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,240
−HK$2,551/mo
Today · 4.125%
HK$85,791
baseline
▲ 0.50% · 4.625%
HK$91,011
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,582/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,810
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,219
−HK$2,443/mo
Today · 4.125%
HK$94,662
baseline
▲ 0.50% · 4.625%
HK$99,652
+HK$4,990/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,324/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,794
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,023
−HK$3,280/mo
Today · 4.125%
HK$110,303
baseline
▲ 0.50% · 4.625%
HK$117,015
+HK$6,712/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,606/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,470
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,567
−HK$3,142/mo
Today · 4.125%
HK$121,709
baseline
▲ 0.50% · 4.625%
HK$128,124
+HK$6,415/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,418/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,747 · Scale 2, in force from 26 Feb 2026)