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$57,757
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,554
−HK$1,825/mo
Today · 4.125%
HK$61,379
baseline
▲ 0.50% · 4.625%
HK$65,114
+HK$3,735/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,758/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,254
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,978
−HK$1,748/mo
Today · 4.125%
HK$67,726
baseline
▲ 0.50% · 4.625%
HK$71,296
+HK$3,570/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,452/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,309
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,464
−HK$2,191/mo
Today · 4.125%
HK$73,655
baseline
▲ 0.50% · 4.625%
HK$78,137
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,310/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,105
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,173
−HK$2,098/mo
Today · 4.125%
HK$81,271
baseline
▲ 0.50% · 4.625%
HK$85,555
+HK$4,284/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,542/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,860
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,375
−HK$2,556/mo
Today · 4.125%
HK$85,931
baseline
▲ 0.50% · 4.625%
HK$91,159
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,862/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,956
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,369
−HK$2,447/mo
Today · 4.125%
HK$94,816
baseline
▲ 0.50% · 4.625%
HK$99,814
+HK$4,998/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,632/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,963
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,197
−HK$3,285/mo
Today · 4.125%
HK$110,482
baseline
▲ 0.50% · 4.625%
HK$117,205
+HK$6,723/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$220,964/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,658
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,760
−HK$3,146/mo
Today · 4.125%
HK$121,906
baseline
▲ 0.50% · 4.625%
HK$128,332
+HK$6,426/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,812/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,493 · Scale 2, in force from 26 Feb 2026)