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$57,533
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,323
−HK$1,818/mo
Today · 4.125%
HK$61,141
baseline
▲ 0.50% · 4.625%
HK$64,861
+HK$3,720/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,282/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,005
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,722
−HK$1,741/mo
Today · 4.125%
HK$67,463
baseline
▲ 0.50% · 4.625%
HK$71,019
+HK$3,556/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,926/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,040
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,187
−HK$2,182/mo
Today · 4.125%
HK$73,369
baseline
▲ 0.50% · 4.625%
HK$77,834
+HK$4,465/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,738/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,806
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,866
−HK$2,090/mo
Today · 4.125%
HK$80,956
baseline
▲ 0.50% · 4.625%
HK$85,223
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,912/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,547
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,052
−HK$2,546/mo
Today · 4.125%
HK$85,598
baseline
▲ 0.50% · 4.625%
HK$90,806
+HK$5,208/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,196/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,607
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,011
−HK$2,437/mo
Today · 4.125%
HK$94,448
baseline
▲ 0.50% · 4.625%
HK$99,427
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,896/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,560
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,781
−HK$3,273/mo
Today · 4.125%
HK$110,054
baseline
▲ 0.50% · 4.625%
HK$116,751
+HK$6,697/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,108/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,209
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,299
−HK$3,135/mo
Today · 4.125%
HK$121,434
baseline
▲ 0.50% · 4.625%
HK$127,835
+HK$6,401/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,868/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,321 · Scale 2, in force from 26 Feb 2026)