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$57,733
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,529
−HK$1,824/mo
Today · 4.125%
HK$61,353
baseline
▲ 0.50% · 4.625%
HK$65,087
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,706/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,227
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,950
−HK$1,747/mo
Today · 4.125%
HK$67,697
baseline
▲ 0.50% · 4.625%
HK$71,266
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,394/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,280
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,435
−HK$2,189/mo
Today · 4.125%
HK$73,624
baseline
▲ 0.50% · 4.625%
HK$78,104
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,248/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,073
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,140
−HK$2,097/mo
Today · 4.125%
HK$81,237
baseline
▲ 0.50% · 4.625%
HK$85,519
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,474/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,826
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,340
−HK$2,555/mo
Today · 4.125%
HK$85,895
baseline
▲ 0.50% · 4.625%
HK$91,121
+HK$5,226/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,790/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,918
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,330
−HK$2,446/mo
Today · 4.125%
HK$94,776
baseline
▲ 0.50% · 4.625%
HK$99,772
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,552/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,919
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,152
−HK$3,284/mo
Today · 4.125%
HK$110,436
baseline
▲ 0.50% · 4.625%
HK$117,156
+HK$6,720/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,872/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,609
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,710
−HK$3,145/mo
Today · 4.125%
HK$121,855
baseline
▲ 0.50% · 4.625%
HK$128,279
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,710/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,043 · Scale 2, in force from 26 Feb 2026)