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$57,619
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,411
−HK$1,821/mo
Today · 4.125%
HK$61,232
baseline
▲ 0.50% · 4.625%
HK$64,958
+HK$3,726/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,464/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,100
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,819
−HK$1,744/mo
Today · 4.125%
HK$67,563
baseline
▲ 0.50% · 4.625%
HK$71,125
+HK$3,562/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,126/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,142
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,293
−HK$2,185/mo
Today · 4.125%
HK$73,478
baseline
▲ 0.50% · 4.625%
HK$77,949
+HK$4,471/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,956/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,920
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,983
−HK$2,093/mo
Today · 4.125%
HK$81,076
baseline
▲ 0.50% · 4.625%
HK$85,350
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,152/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,666
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,175
−HK$2,550/mo
Today · 4.125%
HK$85,725
baseline
▲ 0.50% · 4.625%
HK$90,941
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,450/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,740
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,147
−HK$2,442/mo
Today · 4.125%
HK$94,589
baseline
▲ 0.50% · 4.625%
HK$99,575
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,178/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,714
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,940
−HK$3,277/mo
Today · 4.125%
HK$110,217
baseline
▲ 0.50% · 4.625%
HK$116,924
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,434/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,380
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,475
−HK$3,139/mo
Today · 4.125%
HK$121,614
baseline
▲ 0.50% · 4.625%
HK$128,024
+HK$6,410/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,228/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,912 · Scale 2, in force from 26 Feb 2026)