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$57,507
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,296
−HK$1,818/mo
Today · 4.125%
HK$61,114
baseline
▲ 0.50% · 4.625%
HK$64,832
+HK$3,718/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,228/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,976
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,692
−HK$1,741/mo
Today · 4.125%
HK$67,433
baseline
▲ 0.50% · 4.625%
HK$70,987
+HK$3,554/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,866/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,009
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,155
−HK$2,181/mo
Today · 4.125%
HK$73,336
baseline
▲ 0.50% · 4.625%
HK$77,799
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,672/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,772
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,831
−HK$2,088/mo
Today · 4.125%
HK$80,919
baseline
▲ 0.50% · 4.625%
HK$85,185
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,838/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,510
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,015
−HK$2,544/mo
Today · 4.125%
HK$85,559
baseline
▲ 0.50% · 4.625%
HK$90,765
+HK$5,206/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$171,118/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,567
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,969
−HK$2,437/mo
Today · 4.125%
HK$94,406
baseline
▲ 0.50% · 4.625%
HK$99,382
+HK$4,976/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$188,812/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,513
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,733
−HK$3,272/mo
Today · 4.125%
HK$110,005
baseline
▲ 0.50% · 4.625%
HK$116,698
+HK$6,693/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,010/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,158
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,246
−HK$3,133/mo
Today · 4.125%
HK$121,379
baseline
▲ 0.50% · 4.625%
HK$127,777
+HK$6,398/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,758/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,839 · Scale 2, in force from 26 Feb 2026)