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$57,749
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,545
−HK$1,825/mo
Today · 4.125%
HK$61,370
baseline
▲ 0.50% · 4.625%
HK$65,104
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,740/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,245
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,968
−HK$1,748/mo
Today · 4.125%
HK$67,716
baseline
▲ 0.50% · 4.625%
HK$71,285
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,432/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,298
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,454
−HK$2,190/mo
Today · 4.125%
HK$73,644
baseline
▲ 0.50% · 4.625%
HK$78,125
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,288/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,094
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,161
−HK$2,098/mo
Today · 4.125%
HK$81,259
baseline
▲ 0.50% · 4.625%
HK$85,542
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,518/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,848
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,363
−HK$2,555/mo
Today · 4.125%
HK$85,918
baseline
▲ 0.50% · 4.625%
HK$91,146
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,836/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,943
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,355
−HK$2,447/mo
Today · 4.125%
HK$94,802
baseline
▲ 0.50% · 4.625%
HK$99,799
+HK$4,997/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,604/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,948
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,181
−HK$3,285/mo
Today · 4.125%
HK$110,466
baseline
▲ 0.50% · 4.625%
HK$117,188
+HK$6,722/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,932/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,641
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,742
−HK$3,146/mo
Today · 4.125%
HK$121,888
baseline
▲ 0.50% · 4.625%
HK$128,313
+HK$6,425/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,776/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,335 · Scale 2, in force from 26 Feb 2026)