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$57,414
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,200
−HK$1,815/mo
Today · 4.125%
HK$61,015
baseline
▲ 0.50% · 4.625%
HK$64,727
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,030/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,873
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,586
−HK$1,738/mo
Today · 4.125%
HK$67,324
baseline
▲ 0.50% · 4.625%
HK$70,872
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,648/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,897
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,040
−HK$2,177/mo
Today · 4.125%
HK$73,217
baseline
▲ 0.50% · 4.625%
HK$77,673
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,434/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,647
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,703
−HK$2,085/mo
Today · 4.125%
HK$80,788
baseline
▲ 0.50% · 4.625%
HK$85,047
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,576/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,380
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,880
−HK$2,540/mo
Today · 4.125%
HK$85,420
baseline
▲ 0.50% · 4.625%
HK$90,618
+HK$5,198/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$170,840/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,422
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,820
−HK$2,433/mo
Today · 4.125%
HK$94,253
baseline
▲ 0.50% · 4.625%
HK$99,221
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$188,506/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,346
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,560
−HK$3,266/mo
Today · 4.125%
HK$109,826
baseline
▲ 0.50% · 4.625%
HK$116,509
+HK$6,683/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,652/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,971
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,054
−HK$3,128/mo
Today · 4.125%
HK$121,182
baseline
▲ 0.50% · 4.625%
HK$127,570
+HK$6,388/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,364/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,101 · Scale 2, in force from 26 Feb 2026)