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$57,783
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,580
−HK$1,826/mo
Today · 4.125%
HK$61,406
baseline
▲ 0.50% · 4.625%
HK$65,143
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,812/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,283
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,007
−HK$1,749/mo
Today · 4.125%
HK$67,756
baseline
▲ 0.50% · 4.625%
HK$71,327
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,512/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,339
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,496
−HK$2,192/mo
Today · 4.125%
HK$73,688
baseline
▲ 0.50% · 4.625%
HK$78,171
+HK$4,483/mo
Deposit HK$10.14M · loan HK$15.20M · min. income ≈ HK$147,376/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,139
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,208
−HK$2,099/mo
Today · 4.125%
HK$81,307
baseline
▲ 0.50% · 4.625%
HK$85,593
+HK$4,286/mo
Deposit HK$10.14M · loan HK$15.20M · min. income ≈ HK$162,614/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,896
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,412
−HK$2,557/mo
Today · 4.125%
HK$85,969
baseline
▲ 0.50% · 4.625%
HK$91,200
+HK$5,231/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,938/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,996
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,410
−HK$2,448/mo
Today · 4.125%
HK$94,858
baseline
▲ 0.50% · 4.625%
HK$99,858
+HK$5,000/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,716/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,009
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,244
−HK$3,287/mo
Today · 4.125%
HK$110,531
baseline
▲ 0.50% · 4.625%
HK$117,257
+HK$6,726/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,062/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,709
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,812
−HK$3,148/mo
Today · 4.125%
HK$121,960
baseline
▲ 0.50% · 4.625%
HK$128,389
+HK$6,429/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,920/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,971 · Scale 2, in force from 26 Feb 2026)