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$57,662
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,456
−HK$1,822/mo
Today · 4.125%
HK$61,278
baseline
▲ 0.50% · 4.625%
HK$65,006
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,556/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,148
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,869
−HK$1,745/mo
Today · 4.125%
HK$67,614
baseline
▲ 0.50% · 4.625%
HK$71,178
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,228/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,194
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,347
−HK$2,186/mo
Today · 4.125%
HK$73,533
baseline
▲ 0.50% · 4.625%
HK$78,008
+HK$4,475/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,066/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,978
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,043
−HK$2,094/mo
Today · 4.125%
HK$81,137
baseline
▲ 0.50% · 4.625%
HK$85,414
+HK$4,277/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,274/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,727
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,238
−HK$2,551/mo
Today · 4.125%
HK$85,789
baseline
▲ 0.50% · 4.625%
HK$91,009
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,578/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,808
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,216
−HK$2,444/mo
Today · 4.125%
HK$94,660
baseline
▲ 0.50% · 4.625%
HK$99,649
+HK$4,989/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,320/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,792
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,020
−HK$3,280/mo
Today · 4.125%
HK$110,300
baseline
▲ 0.50% · 4.625%
HK$117,012
+HK$6,712/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,600/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,467
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,564
−HK$3,141/mo
Today · 4.125%
HK$121,705
baseline
▲ 0.50% · 4.625%
HK$128,121
+HK$6,416/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,410/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,719 · Scale 2, in force from 26 Feb 2026)