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$57,510
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,299
−HK$1,817/mo
Today · 4.125%
HK$61,116
baseline
▲ 0.50% · 4.625%
HK$64,835
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,232/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,979
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$1,740/mo
Today · 4.125%
HK$67,435
baseline
▲ 0.50% · 4.625%
HK$70,990
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,870/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,012
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,158
−HK$2,181/mo
Today · 4.125%
HK$73,339
baseline
▲ 0.50% · 4.625%
HK$77,802
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,678/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,775
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,834
−HK$2,089/mo
Today · 4.125%
HK$80,923
baseline
▲ 0.50% · 4.625%
HK$85,188
+HK$4,265/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,846/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,514
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,018
−HK$2,544/mo
Today · 4.125%
HK$85,562
baseline
▲ 0.50% · 4.625%
HK$90,769
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$171,124/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,570
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,973
−HK$2,437/mo
Today · 4.125%
HK$94,410
baseline
▲ 0.50% · 4.625%
HK$99,386
+HK$4,976/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$188,820/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,517
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,737
−HK$3,272/mo
Today · 4.125%
HK$110,009
baseline
▲ 0.50% · 4.625%
HK$116,703
+HK$6,694/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,018/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,162
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,251
−HK$3,133/mo
Today · 4.125%
HK$121,384
baseline
▲ 0.50% · 4.625%
HK$127,782
+HK$6,398/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,768/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,880 · Scale 2, in force from 26 Feb 2026)