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$57,525
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,314
−HK$1,818/mo
Today · 4.125%
HK$61,132
baseline
▲ 0.50% · 4.625%
HK$64,852
+HK$3,720/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,264/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,996
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,712
−HK$1,742/mo
Today · 4.125%
HK$67,454
baseline
▲ 0.50% · 4.625%
HK$71,009
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,908/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,030
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,177
−HK$2,182/mo
Today · 4.125%
HK$73,359
baseline
▲ 0.50% · 4.625%
HK$77,823
+HK$4,464/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,718/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,795
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,855
−HK$2,089/mo
Today · 4.125%
HK$80,944
baseline
▲ 0.50% · 4.625%
HK$85,211
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,888/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,535
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,040
−HK$2,545/mo
Today · 4.125%
HK$85,585
baseline
▲ 0.50% · 4.625%
HK$90,793
+HK$5,208/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,170/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,594
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$91,997
−HK$2,438/mo
Today · 4.125%
HK$94,435
baseline
▲ 0.50% · 4.625%
HK$99,413
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,870/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,545
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,766
−HK$3,272/mo
Today · 4.125%
HK$110,038
baseline
▲ 0.50% · 4.625%
HK$116,734
+HK$6,696/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,076/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,193
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,282
−HK$3,134/mo
Today · 4.125%
HK$121,416
baseline
▲ 0.50% · 4.625%
HK$127,816
+HK$6,400/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,832/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,166 · Scale 2, in force from 26 Feb 2026)