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$57,739
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,535
−HK$1,825/mo
Today · 4.125%
HK$61,360
baseline
▲ 0.50% · 4.625%
HK$65,094
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,720/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,234
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,957
−HK$1,748/mo
Today · 4.125%
HK$67,705
baseline
▲ 0.50% · 4.625%
HK$71,273
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,410/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,287
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,442
−HK$2,190/mo
Today · 4.125%
HK$73,632
baseline
▲ 0.50% · 4.625%
HK$78,112
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,264/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,081
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,148
−HK$2,098/mo
Today · 4.125%
HK$81,246
baseline
▲ 0.50% · 4.625%
HK$85,528
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,492/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,835
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,349
−HK$2,555/mo
Today · 4.125%
HK$85,904
baseline
▲ 0.50% · 4.625%
HK$91,131
+HK$5,227/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,808/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,928
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,340
−HK$2,447/mo
Today · 4.125%
HK$94,787
baseline
▲ 0.50% · 4.625%
HK$99,783
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,574/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,931
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,163
−HK$3,285/mo
Today · 4.125%
HK$110,448
baseline
▲ 0.50% · 4.625%
HK$117,168
+HK$6,720/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,896/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,622
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,723
−HK$3,145/mo
Today · 4.125%
HK$121,868
baseline
▲ 0.50% · 4.625%
HK$128,292
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,736/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,158 · Scale 2, in force from 26 Feb 2026)