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$57,729
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,524
−HK$1,825/mo
Today · 4.125%
HK$61,349
baseline
▲ 0.50% · 4.625%
HK$65,082
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,698/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,223
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,945
−HK$1,747/mo
Today · 4.125%
HK$67,692
baseline
▲ 0.50% · 4.625%
HK$71,261
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,384/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,275
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,429
−HK$2,190/mo
Today · 4.125%
HK$73,619
baseline
▲ 0.50% · 4.625%
HK$78,098
+HK$4,479/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,238/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,067
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,134
−HK$2,097/mo
Today · 4.125%
HK$81,231
baseline
▲ 0.50% · 4.625%
HK$85,513
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,462/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,820
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,334
−HK$2,554/mo
Today · 4.125%
HK$85,888
baseline
▲ 0.50% · 4.625%
HK$91,115
+HK$5,227/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,776/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,912
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,323
−HK$2,446/mo
Today · 4.125%
HK$94,769
baseline
▲ 0.50% · 4.625%
HK$99,765
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,538/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,912
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,144
−HK$3,284/mo
Today · 4.125%
HK$110,428
baseline
▲ 0.50% · 4.625%
HK$117,147
+HK$6,719/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,856/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,601
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,701
−HK$3,145/mo
Today · 4.125%
HK$121,846
baseline
▲ 0.50% · 4.625%
HK$128,269
+HK$6,423/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,692/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,964 · Scale 2, in force from 26 Feb 2026)