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$57,658
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,451
−HK$1,822/mo
Today · 4.125%
HK$61,273
baseline
▲ 0.50% · 4.625%
HK$65,001
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,546/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,143
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,864
−HK$1,745/mo
Today · 4.125%
HK$67,609
baseline
▲ 0.50% · 4.625%
HK$71,173
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,218/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,189
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,341
−HK$2,187/mo
Today · 4.125%
HK$73,528
baseline
▲ 0.50% · 4.625%
HK$78,002
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,056/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,972
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,036
−HK$2,095/mo
Today · 4.125%
HK$81,131
baseline
▲ 0.50% · 4.625%
HK$85,407
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,262/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,721
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,231
−HK$2,551/mo
Today · 4.125%
HK$85,782
baseline
▲ 0.50% · 4.625%
HK$91,002
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,564/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,801
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,209
−HK$2,443/mo
Today · 4.125%
HK$94,652
baseline
▲ 0.50% · 4.625%
HK$99,642
+HK$4,990/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,304/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,784
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,012
−HK$3,280/mo
Today · 4.125%
HK$110,292
baseline
▲ 0.50% · 4.625%
HK$117,003
+HK$6,711/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,584/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,458
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,555
−HK$3,141/mo
Today · 4.125%
HK$121,696
baseline
▲ 0.50% · 4.625%
HK$128,111
+HK$6,415/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,392/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,636 · Scale 2, in force from 26 Feb 2026)