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$57,796
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,593
−HK$1,827/mo
Today · 4.125%
HK$61,420
baseline
▲ 0.50% · 4.625%
HK$65,157
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,840/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,297
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,021
−HK$1,750/mo
Today · 4.125%
HK$67,771
baseline
▲ 0.50% · 4.625%
HK$71,343
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,542/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,355
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,512
−HK$2,192/mo
Today · 4.125%
HK$73,704
baseline
▲ 0.50% · 4.625%
HK$78,188
+HK$4,484/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,408/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,156
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,226
−HK$2,099/mo
Today · 4.125%
HK$81,325
baseline
▲ 0.50% · 4.625%
HK$85,612
+HK$4,287/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,650/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,914
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,431
−HK$2,557/mo
Today · 4.125%
HK$85,988
baseline
▲ 0.50% · 4.625%
HK$91,220
+HK$5,232/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,976/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,016
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,430
−HK$2,449/mo
Today · 4.125%
HK$94,879
baseline
▲ 0.50% · 4.625%
HK$99,880
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,758/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,032
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,268
−HK$3,288/mo
Today · 4.125%
HK$110,556
baseline
▲ 0.50% · 4.625%
HK$117,283
+HK$6,727/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,112/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,734
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,838
−HK$3,149/mo
Today · 4.125%
HK$121,987
baseline
▲ 0.50% · 4.625%
HK$128,417
+HK$6,430/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,974/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,208 · Scale 2, in force from 26 Feb 2026)