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$57,546
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,336
−HK$1,819/mo
Today · 4.125%
HK$61,155
baseline
▲ 0.50% · 4.625%
HK$64,876
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,310/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,020
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,737
−HK$1,742/mo
Today · 4.125%
HK$67,479
baseline
▲ 0.50% · 4.625%
HK$71,035
+HK$3,556/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,958/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,056
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,204
−HK$2,182/mo
Today · 4.125%
HK$73,386
baseline
▲ 0.50% · 4.625%
HK$77,851
+HK$4,465/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,772/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,824
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,884
−HK$2,090/mo
Today · 4.125%
HK$80,974
baseline
▲ 0.50% · 4.625%
HK$85,243
+HK$4,269/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,948/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,565
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,071
−HK$2,546/mo
Today · 4.125%
HK$85,617
baseline
▲ 0.50% · 4.625%
HK$90,827
+HK$5,210/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,234/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,628
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,031
−HK$2,439/mo
Today · 4.125%
HK$94,470
baseline
▲ 0.50% · 4.625%
HK$99,450
+HK$4,980/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,940/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,583
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,806
−HK$3,273/mo
Today · 4.125%
HK$110,079
baseline
▲ 0.50% · 4.625%
HK$116,777
+HK$6,698/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,158/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,236
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,326
−HK$3,135/mo
Today · 4.125%
HK$121,461
baseline
▲ 0.50% · 4.625%
HK$127,864
+HK$6,403/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,922/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,564 · Scale 2, in force from 26 Feb 2026)