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$57,639
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,432
−HK$1,822/mo
Today · 4.125%
HK$61,254
baseline
▲ 0.50% · 4.625%
HK$64,981
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,508/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,123
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,843
−HK$1,744/mo
Today · 4.125%
HK$67,587
baseline
▲ 0.50% · 4.625%
HK$71,150
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,174/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,167
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,318
−HK$2,186/mo
Today · 4.125%
HK$73,504
baseline
▲ 0.50% · 4.625%
HK$77,977
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,008/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,947
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,011
−HK$2,094/mo
Today · 4.125%
HK$81,105
baseline
▲ 0.50% · 4.625%
HK$85,380
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,210/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,695
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,205
−HK$2,550/mo
Today · 4.125%
HK$85,755
baseline
▲ 0.50% · 4.625%
HK$90,973
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,510/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,772
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,180
−HK$2,442/mo
Today · 4.125%
HK$94,622
baseline
▲ 0.50% · 4.625%
HK$99,610
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,244/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,750
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,978
−HK$3,278/mo
Today · 4.125%
HK$110,256
baseline
▲ 0.50% · 4.625%
HK$116,965
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,512/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,421
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,517
−HK$3,140/mo
Today · 4.125%
HK$121,657
baseline
▲ 0.50% · 4.625%
HK$128,070
+HK$6,413/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,314/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,292 · Scale 2, in force from 26 Feb 2026)