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$57,499
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,287
−HK$1,817/mo
Today · 4.125%
HK$61,104
baseline
▲ 0.50% · 4.625%
HK$64,822
+HK$3,718/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,208/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,967
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,682
−HK$1,740/mo
Today · 4.125%
HK$67,422
baseline
▲ 0.50% · 4.625%
HK$70,976
+HK$3,554/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,844/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,998
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,144
−HK$2,181/mo
Today · 4.125%
HK$73,325
baseline
▲ 0.50% · 4.625%
HK$77,787
+HK$4,462/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,650/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,760
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,819
−HK$2,088/mo
Today · 4.125%
HK$80,907
baseline
▲ 0.50% · 4.625%
HK$85,172
+HK$4,265/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,814/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,498
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,002
−HK$2,544/mo
Today · 4.125%
HK$85,546
baseline
▲ 0.50% · 4.625%
HK$90,751
+HK$5,205/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,092/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,553
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,955
−HK$2,436/mo
Today · 4.125%
HK$94,391
baseline
▲ 0.50% · 4.625%
HK$99,367
+HK$4,976/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,782/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,497
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,717
−HK$3,271/mo
Today · 4.125%
HK$109,988
baseline
▲ 0.50% · 4.625%
HK$116,680
+HK$6,692/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,976/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,140
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,228
−HK$3,132/mo
Today · 4.125%
HK$121,360
baseline
▲ 0.50% · 4.625%
HK$127,758
+HK$6,398/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,720/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,673 · Scale 2, in force from 26 Feb 2026)