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$57,714
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,509
−HK$1,824/mo
Today · 4.125%
HK$61,333
baseline
▲ 0.50% · 4.625%
HK$65,065
+HK$3,732/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,666/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,206
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,928
−HK$1,747/mo
Today · 4.125%
HK$67,675
baseline
▲ 0.50% · 4.625%
HK$71,242
+HK$3,567/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,350/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,256
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,411
−HK$2,188/mo
Today · 4.125%
HK$73,599
baseline
▲ 0.50% · 4.625%
HK$78,078
+HK$4,479/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$147,198/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,047
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,113
−HK$2,097/mo
Today · 4.125%
HK$81,210
baseline
▲ 0.50% · 4.625%
HK$85,490
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$162,420/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,799
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,312
−HK$2,554/mo
Today · 4.125%
HK$85,866
baseline
▲ 0.50% · 4.625%
HK$91,091
+HK$5,225/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,732/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,888
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,299
−HK$2,446/mo
Today · 4.125%
HK$94,745
baseline
▲ 0.50% · 4.625%
HK$99,739
+HK$4,994/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,490/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,885
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,116
−HK$3,283/mo
Today · 4.125%
HK$110,399
baseline
▲ 0.50% · 4.625%
HK$117,117
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,798/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,571
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,670
−HK$3,145/mo
Today · 4.125%
HK$121,815
baseline
▲ 0.50% · 4.625%
HK$128,236
+HK$6,421/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,630/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,683 · Scale 2, in force from 26 Feb 2026)