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$57,555
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,345
−HK$1,819/mo
Today · 4.125%
HK$61,164
baseline
▲ 0.50% · 4.625%
HK$64,886
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,328/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,030
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,747
−HK$1,742/mo
Today · 4.125%
HK$67,489
baseline
▲ 0.50% · 4.625%
HK$71,046
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,978/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,066
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,215
−HK$2,182/mo
Today · 4.125%
HK$73,397
baseline
▲ 0.50% · 4.625%
HK$77,863
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$146,794/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,835
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,896
−HK$2,091/mo
Today · 4.125%
HK$80,987
baseline
▲ 0.50% · 4.625%
HK$85,256
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$161,974/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,577
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,084
−HK$2,546/mo
Today · 4.125%
HK$85,630
baseline
▲ 0.50% · 4.625%
HK$90,841
+HK$5,211/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,260/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,641
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,046
−HK$2,438/mo
Today · 4.125%
HK$94,484
baseline
▲ 0.50% · 4.625%
HK$99,465
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,968/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,599
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,822
−HK$3,274/mo
Today · 4.125%
HK$110,096
baseline
▲ 0.50% · 4.625%
HK$116,795
+HK$6,699/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,192/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,253
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,344
−HK$3,136/mo
Today · 4.125%
HK$121,480
baseline
▲ 0.50% · 4.625%
HK$127,883
+HK$6,403/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,960/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,729 · Scale 2, in force from 26 Feb 2026)