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$57,725
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,521
−HK$1,824/mo
Today · 4.125%
HK$61,345
baseline
▲ 0.50% · 4.625%
HK$65,077
+HK$3,732/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,690/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,218
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,941
−HK$1,747/mo
Today · 4.125%
HK$67,688
baseline
▲ 0.50% · 4.625%
HK$71,256
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,376/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,270
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,425
−HK$2,189/mo
Today · 4.125%
HK$73,614
baseline
▲ 0.50% · 4.625%
HK$78,093
+HK$4,479/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,228/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,062
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,129
−HK$2,097/mo
Today · 4.125%
HK$81,226
baseline
▲ 0.50% · 4.625%
HK$85,507
+HK$4,281/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,452/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,815
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,329
−HK$2,554/mo
Today · 4.125%
HK$85,883
baseline
▲ 0.50% · 4.625%
HK$91,108
+HK$5,225/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,766/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,906
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,317
−HK$2,446/mo
Today · 4.125%
HK$94,763
baseline
▲ 0.50% · 4.625%
HK$99,758
+HK$4,995/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,526/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,905
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,137
−HK$3,284/mo
Today · 4.125%
HK$110,421
baseline
▲ 0.50% · 4.625%
HK$117,139
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,842/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,593
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,693
−HK$3,145/mo
Today · 4.125%
HK$121,838
baseline
▲ 0.50% · 4.625%
HK$128,261
+HK$6,423/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,676/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,893 · Scale 2, in force from 26 Feb 2026)