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$57,541
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,331
−HK$1,818/mo
Today · 4.125%
HK$61,149
baseline
▲ 0.50% · 4.625%
HK$64,870
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,298/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,014
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,730
−HK$1,742/mo
Today · 4.125%
HK$67,472
baseline
▲ 0.50% · 4.625%
HK$71,029
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,944/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,049
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,197
−HK$2,182/mo
Today · 4.125%
HK$73,379
baseline
▲ 0.50% · 4.625%
HK$77,844
+HK$4,465/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,758/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,816
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,876
−HK$2,090/mo
Today · 4.125%
HK$80,966
baseline
▲ 0.50% · 4.625%
HK$85,234
+HK$4,268/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,932/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,557
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,063
−HK$2,546/mo
Today · 4.125%
HK$85,609
baseline
▲ 0.50% · 4.625%
HK$90,818
+HK$5,209/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,218/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,619
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,022
−HK$2,439/mo
Today · 4.125%
HK$94,461
baseline
▲ 0.50% · 4.625%
HK$99,440
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,922/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,573
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,795
−HK$3,273/mo
Today · 4.125%
HK$110,068
baseline
▲ 0.50% · 4.625%
HK$116,766
+HK$6,698/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,136/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,224
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,315
−HK$3,135/mo
Today · 4.125%
HK$121,450
baseline
▲ 0.50% · 4.625%
HK$127,851
+HK$6,401/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,900/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,460 · Scale 2, in force from 26 Feb 2026)