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$57,553
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,343
−HK$1,819/mo
Today · 4.125%
HK$61,162
baseline
▲ 0.50% · 4.625%
HK$64,883
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,324/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,027
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,744
−HK$1,742/mo
Today · 4.125%
HK$67,486
baseline
▲ 0.50% · 4.625%
HK$71,043
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,972/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,063
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,211
−HK$2,183/mo
Today · 4.125%
HK$73,394
baseline
▲ 0.50% · 4.625%
HK$77,860
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$146,788/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,832
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,893
−HK$2,090/mo
Today · 4.125%
HK$80,983
baseline
▲ 0.50% · 4.625%
HK$85,252
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$161,966/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,574
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,080
−HK$2,546/mo
Today · 4.125%
HK$85,626
baseline
▲ 0.50% · 4.625%
HK$90,836
+HK$5,210/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,252/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,637
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,041
−HK$2,439/mo
Today · 4.125%
HK$94,480
baseline
▲ 0.50% · 4.625%
HK$99,460
+HK$4,980/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,960/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,595
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,817
−HK$3,274/mo
Today · 4.125%
HK$110,091
baseline
▲ 0.50% · 4.625%
HK$116,790
+HK$6,699/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,182/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,248
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,339
−HK$3,136/mo
Today · 4.125%
HK$121,475
baseline
▲ 0.50% · 4.625%
HK$127,878
+HK$6,403/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,950/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,680 · Scale 2, in force from 26 Feb 2026)