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$57,634
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,427
−HK$1,822/mo
Today · 4.125%
HK$61,249
baseline
▲ 0.50% · 4.625%
HK$64,975
+HK$3,726/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,498/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,118
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,837
−HK$1,745/mo
Today · 4.125%
HK$67,582
baseline
▲ 0.50% · 4.625%
HK$71,144
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,164/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,161
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,313
−HK$2,185/mo
Today · 4.125%
HK$73,498
baseline
▲ 0.50% · 4.625%
HK$77,971
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$146,996/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,941
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,005
−HK$2,093/mo
Today · 4.125%
HK$81,098
baseline
▲ 0.50% · 4.625%
HK$85,373
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,196/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,688
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,198
−HK$2,550/mo
Today · 4.125%
HK$85,748
baseline
▲ 0.50% · 4.625%
HK$90,966
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,496/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,765
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,172
−HK$2,442/mo
Today · 4.125%
HK$94,614
baseline
▲ 0.50% · 4.625%
HK$99,602
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,228/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,742
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,969
−HK$3,278/mo
Today · 4.125%
HK$110,247
baseline
▲ 0.50% · 4.625%
HK$116,956
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,494/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,412
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,507
−HK$3,140/mo
Today · 4.125%
HK$121,647
baseline
▲ 0.50% · 4.625%
HK$128,059
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,294/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,205 · Scale 2, in force from 26 Feb 2026)