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$57,617
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,409
−HK$1,821/mo
Today · 4.125%
HK$61,230
baseline
▲ 0.50% · 4.625%
HK$64,955
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,460/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,098
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,817
−HK$1,744/mo
Today · 4.125%
HK$67,561
baseline
▲ 0.50% · 4.625%
HK$71,122
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,122/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,140
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,291
−HK$2,185/mo
Today · 4.125%
HK$73,476
baseline
▲ 0.50% · 4.625%
HK$77,946
+HK$4,470/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,952/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,917
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,980
−HK$2,093/mo
Today · 4.125%
HK$81,073
baseline
▲ 0.50% · 4.625%
HK$85,347
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,146/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,663
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,172
−HK$2,550/mo
Today · 4.125%
HK$85,722
baseline
▲ 0.50% · 4.625%
HK$90,938
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,444/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,737
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,144
−HK$2,441/mo
Today · 4.125%
HK$94,585
baseline
▲ 0.50% · 4.625%
HK$99,571
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,170/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,710
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,936
−HK$3,277/mo
Today · 4.125%
HK$110,213
baseline
▲ 0.50% · 4.625%
HK$116,920
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,426/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,376
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,471
−HK$3,139/mo
Today · 4.125%
HK$121,610
baseline
▲ 0.50% · 4.625%
HK$128,020
+HK$6,410/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,220/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,874 · Scale 2, in force from 26 Feb 2026)