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$57,565
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,355
−HK$1,820/mo
Today · 4.125%
HK$61,175
baseline
▲ 0.50% · 4.625%
HK$64,897
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,350/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,072,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,040
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,758
−HK$1,742/mo
Today · 4.125%
HK$67,500
baseline
▲ 0.50% · 4.625%
HK$71,058
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,000/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,072,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,078
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,226
−HK$2,183/mo
Today · 4.125%
HK$73,409
baseline
▲ 0.50% · 4.625%
HK$77,876
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,818/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,848
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,909
−HK$2,091/mo
Today · 4.125%
HK$81,000
baseline
▲ 0.50% · 4.625%
HK$85,270
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,000/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,591
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,097
−HK$2,547/mo
Today · 4.125%
HK$85,644
baseline
▲ 0.50% · 4.625%
HK$90,856
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,288/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,656
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,061
−HK$2,439/mo
Today · 4.125%
HK$94,500
baseline
▲ 0.50% · 4.625%
HK$99,481
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,000/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,617
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,840
−HK$3,274/mo
Today · 4.125%
HK$110,114
baseline
▲ 0.50% · 4.625%
HK$116,814
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,228/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,272
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,364
−HK$3,136/mo
Today · 4.125%
HK$121,500
baseline
▲ 0.50% · 4.625%
HK$127,905
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,000/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,907 · Scale 2, in force from 26 Feb 2026)