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$57,486
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,274
−HK$1,816/mo
Today · 4.125%
HK$61,090
baseline
▲ 0.50% · 4.625%
HK$64,808
+HK$3,718/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,180/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,952
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,667
−HK$1,740/mo
Today · 4.125%
HK$67,407
baseline
▲ 0.50% · 4.625%
HK$70,960
+HK$3,553/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,814/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,983
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,128
−HK$2,180/mo
Today · 4.125%
HK$73,308
baseline
▲ 0.50% · 4.625%
HK$77,769
+HK$4,461/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$146,616/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,742
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,801
−HK$2,088/mo
Today · 4.125%
HK$80,889
baseline
▲ 0.50% · 4.625%
HK$85,152
+HK$4,263/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$161,778/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,480
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,983
−HK$2,544/mo
Today · 4.125%
HK$85,527
baseline
▲ 0.50% · 4.625%
HK$90,731
+HK$5,204/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,054/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,533
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,934
−HK$2,436/mo
Today · 4.125%
HK$94,370
baseline
▲ 0.50% · 4.625%
HK$99,344
+HK$4,974/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,740/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,474
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,693
−HK$3,270/mo
Today · 4.125%
HK$109,963
baseline
▲ 0.50% · 4.625%
HK$116,654
+HK$6,691/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,926/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,114
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,201
−HK$3,132/mo
Today · 4.125%
HK$121,333
baseline
▲ 0.50% · 4.625%
HK$127,729
+HK$6,396/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,666/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,430 · Scale 2, in force from 26 Feb 2026)