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$57,632
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,424
−HK$1,822/mo
Today · 4.125%
HK$61,246
baseline
▲ 0.50% · 4.625%
HK$64,972
+HK$3,726/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,492/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,115
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,834
−HK$1,744/mo
Today · 4.125%
HK$67,578
baseline
▲ 0.50% · 4.625%
HK$71,141
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,156/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,158
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,309
−HK$2,186/mo
Today · 4.125%
HK$73,495
baseline
▲ 0.50% · 4.625%
HK$77,967
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,990/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,937
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,001
−HK$2,093/mo
Today · 4.125%
HK$81,094
baseline
▲ 0.50% · 4.625%
HK$85,369
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,188/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,684
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,194
−HK$2,550/mo
Today · 4.125%
HK$85,744
baseline
▲ 0.50% · 4.625%
HK$90,961
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,488/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,760
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,168
−HK$2,442/mo
Today · 4.125%
HK$94,610
baseline
▲ 0.50% · 4.625%
HK$99,597
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,220/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,737
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,964
−HK$3,278/mo
Today · 4.125%
HK$110,242
baseline
▲ 0.50% · 4.625%
HK$116,950
+HK$6,708/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,484/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,406
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,501
−HK$3,140/mo
Today · 4.125%
HK$121,641
baseline
▲ 0.50% · 4.625%
HK$128,053
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,282/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,153 · Scale 2, in force from 26 Feb 2026)