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$57,738
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,534
−HK$1,825/mo
Today · 4.125%
HK$61,359
baseline
▲ 0.50% · 4.625%
HK$65,093
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,718/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,233
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,956
−HK$1,748/mo
Today · 4.125%
HK$67,704
baseline
▲ 0.50% · 4.625%
HK$71,272
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,408/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,286
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,441
−HK$2,190/mo
Today · 4.125%
HK$73,631
baseline
▲ 0.50% · 4.625%
HK$78,111
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,262/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,080
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,147
−HK$2,097/mo
Today · 4.125%
HK$81,244
baseline
▲ 0.50% · 4.625%
HK$85,527
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,488/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,834
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,348
−HK$2,555/mo
Today · 4.125%
HK$85,903
baseline
▲ 0.50% · 4.625%
HK$91,130
+HK$5,227/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,806/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,927
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,338
−HK$2,447/mo
Today · 4.125%
HK$94,785
baseline
▲ 0.50% · 4.625%
HK$99,781
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,570/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,929
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,162
−HK$3,284/mo
Today · 4.125%
HK$110,446
baseline
▲ 0.50% · 4.625%
HK$117,167
+HK$6,721/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,892/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,620
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,721
−HK$3,146/mo
Today · 4.125%
HK$121,867
baseline
▲ 0.50% · 4.625%
HK$128,290
+HK$6,423/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,734/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,143 · Scale 2, in force from 26 Feb 2026)