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$57,598
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,390
−HK$1,820/mo
Today · 4.125%
HK$61,210
baseline
▲ 0.50% · 4.625%
HK$64,935
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,420/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,078
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,796
−HK$1,744/mo
Today · 4.125%
HK$67,540
baseline
▲ 0.50% · 4.625%
HK$71,100
+HK$3,560/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,080/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,118
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,268
−HK$2,184/mo
Today · 4.125%
HK$73,452
baseline
▲ 0.50% · 4.625%
HK$77,922
+HK$4,470/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$146,904/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,893
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,955
−HK$2,092/mo
Today · 4.125%
HK$81,047
baseline
▲ 0.50% · 4.625%
HK$85,320
+HK$4,273/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$162,094/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,638
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,146
−HK$2,548/mo
Today · 4.125%
HK$85,694
baseline
▲ 0.50% · 4.625%
HK$90,909
+HK$5,215/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,388/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,709
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,115
−HK$2,440/mo
Today · 4.125%
HK$94,555
baseline
▲ 0.50% · 4.625%
HK$99,539
+HK$4,984/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,110/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,677
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$106,902
−HK$3,277/mo
Today · 4.125%
HK$110,179
baseline
▲ 0.50% · 4.625%
HK$116,883
+HK$6,704/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,358/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,340
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,433
−HK$3,138/mo
Today · 4.125%
HK$121,571
baseline
▲ 0.50% · 4.625%
HK$127,979
+HK$6,408/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,142/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,534 · Scale 2, in force from 26 Feb 2026)