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$57,740
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,536
−HK$1,824/mo
Today · 4.125%
HK$61,360
baseline
▲ 0.50% · 4.625%
HK$65,094
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,720/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,235
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,957
−HK$1,748/mo
Today · 4.125%
HK$67,705
baseline
▲ 0.50% · 4.625%
HK$71,274
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,410/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,287
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,443
−HK$2,189/mo
Today · 4.125%
HK$73,632
baseline
▲ 0.50% · 4.625%
HK$78,113
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,264/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,082
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,149
−HK$2,097/mo
Today · 4.125%
HK$81,246
baseline
▲ 0.50% · 4.625%
HK$85,529
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,492/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,076,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,835
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,350
−HK$2,554/mo
Today · 4.125%
HK$85,904
baseline
▲ 0.50% · 4.625%
HK$91,132
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,808/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,929
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,340
−HK$2,447/mo
Today · 4.125%
HK$94,787
baseline
▲ 0.50% · 4.625%
HK$99,783
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,574/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,931
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,164
−HK$3,285/mo
Today · 4.125%
HK$110,449
baseline
▲ 0.50% · 4.625%
HK$117,169
+HK$6,720/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,898/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,622
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,723
−HK$3,146/mo
Today · 4.125%
HK$121,869
baseline
▲ 0.50% · 4.625%
HK$128,293
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,738/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,164 · Scale 2, in force from 26 Feb 2026)