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$57,540
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,330
−HK$1,819/mo
Today · 4.125%
HK$61,149
baseline
▲ 0.50% · 4.625%
HK$64,869
+HK$3,720/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,298/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,013
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,730
−HK$1,742/mo
Today · 4.125%
HK$67,472
baseline
▲ 0.50% · 4.625%
HK$71,028
+HK$3,556/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,944/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,049
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,196
−HK$2,182/mo
Today · 4.125%
HK$73,378
baseline
▲ 0.50% · 4.625%
HK$77,843
+HK$4,465/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,756/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,816
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,876
−HK$2,090/mo
Today · 4.125%
HK$80,966
baseline
▲ 0.50% · 4.625%
HK$85,234
+HK$4,268/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,932/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,557
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,062
−HK$2,546/mo
Today · 4.125%
HK$85,608
baseline
▲ 0.50% · 4.625%
HK$90,817
+HK$5,209/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,216/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,618
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,022
−HK$2,438/mo
Today · 4.125%
HK$94,460
baseline
▲ 0.50% · 4.625%
HK$99,439
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,920/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,573
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,794
−HK$3,274/mo
Today · 4.125%
HK$110,068
baseline
▲ 0.50% · 4.625%
HK$116,765
+HK$6,697/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,136/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,224
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,314
−HK$3,135/mo
Today · 4.125%
HK$121,449
baseline
▲ 0.50% · 4.625%
HK$127,851
+HK$6,402/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,898/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,454 · Scale 2, in force from 26 Feb 2026)