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$57,601
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,393
−HK$1,821/mo
Today · 4.125%
HK$61,214
baseline
▲ 0.50% · 4.625%
HK$64,938
+HK$3,724/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,428/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,081
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,800
−HK$1,743/mo
Today · 4.125%
HK$67,543
baseline
▲ 0.50% · 4.625%
HK$71,103
+HK$3,560/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,086/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,122
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,272
−HK$2,184/mo
Today · 4.125%
HK$73,456
baseline
▲ 0.50% · 4.625%
HK$77,926
+HK$4,470/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$146,912/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,897
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,960
−HK$2,092/mo
Today · 4.125%
HK$81,052
baseline
▲ 0.50% · 4.625%
HK$85,324
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.16M · min. income ≈ HK$162,104/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,642
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,150
−HK$2,549/mo
Today · 4.125%
HK$85,699
baseline
▲ 0.50% · 4.625%
HK$90,914
+HK$5,215/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,398/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,713
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,120
−HK$2,440/mo
Today · 4.125%
HK$94,560
baseline
▲ 0.50% · 4.625%
HK$99,545
+HK$4,985/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,120/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,683
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,908
−HK$3,276/mo
Today · 4.125%
HK$110,184
baseline
▲ 0.50% · 4.625%
HK$116,889
+HK$6,705/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,368/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,346
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,439
−HK$3,139/mo
Today · 4.125%
HK$121,578
baseline
▲ 0.50% · 4.625%
HK$127,986
+HK$6,408/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,156/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,591 · Scale 2, in force from 26 Feb 2026)