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$57,624
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,417
−HK$1,821/mo
Today · 4.125%
HK$61,238
baseline
▲ 0.50% · 4.625%
HK$64,964
+HK$3,726/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,476/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,106
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,826
−HK$1,744/mo
Today · 4.125%
HK$67,570
baseline
▲ 0.50% · 4.625%
HK$71,131
+HK$3,561/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,140/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,149
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,300
−HK$2,185/mo
Today · 4.125%
HK$73,485
baseline
▲ 0.50% · 4.625%
HK$77,957
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,970/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,928
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,991
−HK$2,093/mo
Today · 4.125%
HK$81,084
baseline
▲ 0.50% · 4.625%
HK$85,358
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,168/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,674
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,183
−HK$2,550/mo
Today · 4.125%
HK$85,733
baseline
▲ 0.50% · 4.625%
HK$90,949
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,466/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,749
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,156
−HK$2,442/mo
Today · 4.125%
HK$94,598
baseline
▲ 0.50% · 4.625%
HK$99,584
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,196/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,723
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,950
−HK$3,278/mo
Today · 4.125%
HK$110,228
baseline
▲ 0.50% · 4.625%
HK$116,935
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,456/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,391
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,486
−HK$3,140/mo
Today · 4.125%
HK$121,626
baseline
▲ 0.50% · 4.625%
HK$128,037
+HK$6,411/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,252/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,014 · Scale 2, in force from 26 Feb 2026)