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$57,551
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,342
−HK$1,818/mo
Today · 4.125%
HK$61,160
baseline
▲ 0.50% · 4.625%
HK$64,882
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,320/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,025
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,743
−HK$1,741/mo
Today · 4.125%
HK$67,484
baseline
▲ 0.50% · 4.625%
HK$71,042
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,968/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,062
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,210
−HK$2,182/mo
Today · 4.125%
HK$73,392
baseline
▲ 0.50% · 4.625%
HK$77,858
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$146,784/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,830
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,891
−HK$2,090/mo
Today · 4.125%
HK$80,981
baseline
▲ 0.50% · 4.625%
HK$85,250
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$161,962/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,572
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,078
−HK$2,547/mo
Today · 4.125%
HK$85,625
baseline
▲ 0.50% · 4.625%
HK$90,835
+HK$5,210/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,250/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,636
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,040
−HK$2,438/mo
Today · 4.125%
HK$94,478
baseline
▲ 0.50% · 4.625%
HK$99,458
+HK$4,980/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,956/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,593
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,815
−HK$3,274/mo
Today · 4.125%
HK$110,089
baseline
▲ 0.50% · 4.625%
HK$116,787
+HK$6,698/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,178/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,246
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,337
−HK$3,135/mo
Today · 4.125%
HK$121,472
baseline
▲ 0.50% · 4.625%
HK$127,875
+HK$6,403/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,944/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,659 · Scale 2, in force from 26 Feb 2026)