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$57,568
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,359
−HK$1,819/mo
Today · 4.125%
HK$61,178
baseline
▲ 0.50% · 4.625%
HK$64,901
+HK$3,723/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,356/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,072,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,044
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,762
−HK$1,742/mo
Today · 4.125%
HK$67,504
baseline
▲ 0.50% · 4.625%
HK$71,062
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,008/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,072,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,082
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,231
−HK$2,183/mo
Today · 4.125%
HK$73,414
baseline
▲ 0.50% · 4.625%
HK$77,881
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,828/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,853
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,914
−HK$2,091/mo
Today · 4.125%
HK$81,005
baseline
▲ 0.50% · 4.625%
HK$85,275
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,010/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,595
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,102
−HK$2,547/mo
Today · 4.125%
HK$85,649
baseline
▲ 0.50% · 4.625%
HK$90,861
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,298/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,662
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,066
−HK$2,440/mo
Today · 4.125%
HK$94,506
baseline
▲ 0.50% · 4.625%
HK$99,487
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,012/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,623
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,846
−HK$3,275/mo
Today · 4.125%
HK$110,121
baseline
▲ 0.50% · 4.625%
HK$116,821
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,242/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,279
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,371
−HK$3,136/mo
Today · 4.125%
HK$121,507
baseline
▲ 0.50% · 4.625%
HK$127,912
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,014/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,970 · Scale 2, in force from 26 Feb 2026)