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$3,607/mo
▼ 0.25% · 3.875%
HK$59,322
−HK$1,818/mo
Today · 4.125%
HK$61,140
baseline
▲ 0.50% · 4.625%
HK$64,861
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,280/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,004
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,721
−HK$1,741/mo
Today · 4.125%
HK$67,462
baseline
▲ 0.50% · 4.625%
HK$71,018
+HK$3,556/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,924/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,039
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,187
−HK$2,181/mo
Today · 4.125%
HK$73,368
baseline
▲ 0.50% · 4.625%
HK$77,833
+HK$4,465/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,736/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,805
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,865
−HK$2,090/mo
Today · 4.125%
HK$80,955
baseline
▲ 0.50% · 4.625%
HK$85,222
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,910/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,546
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,051
−HK$2,545/mo
Today · 4.125%
HK$85,596
baseline
▲ 0.50% · 4.625%
HK$90,805
+HK$5,209/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,192/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,606
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,009
−HK$2,438/mo
Today · 4.125%
HK$94,447
baseline
▲ 0.50% · 4.625%
HK$99,426
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,894/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,559
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,780
−HK$3,273/mo
Today · 4.125%
HK$110,053
baseline
▲ 0.50% · 4.625%
HK$116,749
+HK$6,696/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,106/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,208
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,298
−HK$3,134/mo
Today · 4.125%
HK$121,432
baseline
▲ 0.50% · 4.625%
HK$127,833
+HK$6,401/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,864/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,306 · Scale 2, in force from 26 Feb 2026)