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$57,791
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,589
−HK$1,826/mo
Today · 4.125%
HK$61,415
baseline
▲ 0.50% · 4.625%
HK$65,152
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,830/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,292
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,016
−HK$1,750/mo
Today · 4.125%
HK$67,766
baseline
▲ 0.50% · 4.625%
HK$71,338
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,532/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,350
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,507
−HK$2,191/mo
Today · 4.125%
HK$73,698
baseline
▲ 0.50% · 4.625%
HK$78,183
+HK$4,485/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,396/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,151
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,220
−HK$2,099/mo
Today · 4.125%
HK$81,319
baseline
▲ 0.50% · 4.625%
HK$85,605
+HK$4,286/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,638/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,908
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,424
−HK$2,557/mo
Today · 4.125%
HK$85,981
baseline
▲ 0.50% · 4.625%
HK$91,213
+HK$5,232/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,962/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,009
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,423
−HK$2,449/mo
Today · 4.125%
HK$94,872
baseline
▲ 0.50% · 4.625%
HK$99,873
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,744/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,024
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,260
−HK$3,287/mo
Today · 4.125%
HK$110,547
baseline
▲ 0.50% · 4.625%
HK$117,274
+HK$6,727/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,094/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,726
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,830
−HK$3,148/mo
Today · 4.125%
HK$121,978
baseline
▲ 0.50% · 4.625%
HK$128,408
+HK$6,430/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,956/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,129 · Scale 2, in force from 26 Feb 2026)