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$57,495
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,284
−HK$1,817/mo
Today · 4.125%
HK$61,101
baseline
▲ 0.50% · 4.625%
HK$64,819
+HK$3,718/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,202/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,963
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,678
−HK$1,741/mo
Today · 4.125%
HK$67,419
baseline
▲ 0.50% · 4.625%
HK$70,972
+HK$3,553/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,838/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,994
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,141
−HK$2,180/mo
Today · 4.125%
HK$73,321
baseline
▲ 0.50% · 4.625%
HK$77,782
+HK$4,461/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,642/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,756
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,814
−HK$2,088/mo
Today · 4.125%
HK$80,902
baseline
▲ 0.50% · 4.625%
HK$85,167
+HK$4,265/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,804/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,493
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$82,997
−HK$2,544/mo
Today · 4.125%
HK$85,541
baseline
▲ 0.50% · 4.625%
HK$90,746
+HK$5,205/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,082/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,548
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,950
−HK$2,436/mo
Today · 4.125%
HK$94,386
baseline
▲ 0.50% · 4.625%
HK$99,361
+HK$4,975/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,772/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,492
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,711
−HK$3,270/mo
Today · 4.125%
HK$109,981
baseline
▲ 0.50% · 4.625%
HK$116,674
+HK$6,693/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,962/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,133
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,221
−HK$3,133/mo
Today · 4.125%
HK$121,354
baseline
▲ 0.50% · 4.625%
HK$127,750
+HK$6,396/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,708/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,613 · Scale 2, in force from 26 Feb 2026)