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$57,577
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,368
−HK$1,820/mo
Today · 4.125%
HK$61,188
baseline
▲ 0.50% · 4.625%
HK$64,911
+HK$3,723/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,376/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,054
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,772
−HK$1,743/mo
Today · 4.125%
HK$67,515
baseline
▲ 0.50% · 4.625%
HK$71,074
+HK$3,559/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,030/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,093
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,242
−HK$2,184/mo
Today · 4.125%
HK$73,426
baseline
▲ 0.50% · 4.625%
HK$77,893
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,852/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,865
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,927
−HK$2,091/mo
Today · 4.125%
HK$81,018
baseline
▲ 0.50% · 4.625%
HK$85,289
+HK$4,271/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,036/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,608
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,116
−HK$2,547/mo
Today · 4.125%
HK$85,663
baseline
▲ 0.50% · 4.625%
HK$90,876
+HK$5,213/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,326/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,676
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,081
−HK$2,440/mo
Today · 4.125%
HK$94,521
baseline
▲ 0.50% · 4.625%
HK$99,503
+HK$4,982/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,042/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,639
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,863
−HK$3,276/mo
Today · 4.125%
HK$110,139
baseline
▲ 0.50% · 4.625%
HK$116,840
+HK$6,701/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,278/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,298
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,390
−HK$3,137/mo
Today · 4.125%
HK$121,527
baseline
▲ 0.50% · 4.625%
HK$127,933
+HK$6,406/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,054/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,144 · Scale 2, in force from 26 Feb 2026)