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$57,612
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,405
−HK$1,820/mo
Today · 4.125%
HK$61,225
baseline
▲ 0.50% · 4.625%
HK$64,951
+HK$3,726/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,450/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,093
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,812
−HK$1,744/mo
Today · 4.125%
HK$67,556
baseline
▲ 0.50% · 4.625%
HK$71,117
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,112/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,135
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,285
−HK$2,185/mo
Today · 4.125%
HK$73,470
baseline
▲ 0.50% · 4.625%
HK$77,941
+HK$4,471/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,940/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,912
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,975
−HK$2,092/mo
Today · 4.125%
HK$81,067
baseline
▲ 0.50% · 4.625%
HK$85,340
+HK$4,273/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,134/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,657
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,166
−HK$2,549/mo
Today · 4.125%
HK$85,715
baseline
▲ 0.50% · 4.625%
HK$90,931
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,430/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,731
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,137
−HK$2,441/mo
Today · 4.125%
HK$94,578
baseline
▲ 0.50% · 4.625%
HK$99,564
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,156/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,702
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,928
−HK$3,277/mo
Today · 4.125%
HK$110,205
baseline
▲ 0.50% · 4.625%
HK$116,911
+HK$6,706/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,410/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,368
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,462
−HK$3,139/mo
Today · 4.125%
HK$121,601
baseline
▲ 0.50% · 4.625%
HK$128,011
+HK$6,410/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,202/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,796 · Scale 2, in force from 26 Feb 2026)