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$57,747
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,543
−HK$1,825/mo
Today · 4.125%
HK$61,368
baseline
▲ 0.50% · 4.625%
HK$65,102
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,736/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,242
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,965
−HK$1,748/mo
Today · 4.125%
HK$67,713
baseline
▲ 0.50% · 4.625%
HK$71,282
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,426/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,296
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,451
−HK$2,190/mo
Today · 4.125%
HK$73,641
baseline
▲ 0.50% · 4.625%
HK$78,122
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,282/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,091
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,158
−HK$2,098/mo
Today · 4.125%
HK$81,256
baseline
▲ 0.50% · 4.625%
HK$85,539
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,512/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,845
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,360
−HK$2,555/mo
Today · 4.125%
HK$85,915
baseline
▲ 0.50% · 4.625%
HK$91,143
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,830/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,939
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,352
−HK$2,447/mo
Today · 4.125%
HK$94,799
baseline
▲ 0.50% · 4.625%
HK$99,795
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,598/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,944
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,177
−HK$3,285/mo
Today · 4.125%
HK$110,462
baseline
▲ 0.50% · 4.625%
HK$117,183
+HK$6,721/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,924/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,636
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,738
−HK$3,146/mo
Today · 4.125%
HK$121,884
baseline
▲ 0.50% · 4.625%
HK$128,308
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,768/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,295 · Scale 2, in force from 26 Feb 2026)