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$57,769
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,566
−HK$1,826/mo
Today · 4.125%
HK$61,392
baseline
▲ 0.50% · 4.625%
HK$65,127
+HK$3,735/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,784/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,268
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,991
−HK$1,749/mo
Today · 4.125%
HK$67,740
baseline
▲ 0.50% · 4.625%
HK$71,310
+HK$3,570/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,480/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,323
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,479
−HK$2,191/mo
Today · 4.125%
HK$73,670
baseline
▲ 0.50% · 4.625%
HK$78,153
+HK$4,483/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,340/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,121
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,190
−HK$2,098/mo
Today · 4.125%
HK$81,288
baseline
▲ 0.50% · 4.625%
HK$85,573
+HK$4,285/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,576/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,877
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,393
−HK$2,556/mo
Today · 4.125%
HK$85,949
baseline
▲ 0.50% · 4.625%
HK$91,178
+HK$5,229/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,898/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,975
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,388
−HK$2,448/mo
Today · 4.125%
HK$94,836
baseline
▲ 0.50% · 4.625%
HK$99,835
+HK$4,999/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,672/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,985
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,219
−HK$3,286/mo
Today · 4.125%
HK$110,505
baseline
▲ 0.50% · 4.625%
HK$117,229
+HK$6,724/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$221,010/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,682
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,784
−HK$3,148/mo
Today · 4.125%
HK$121,932
baseline
▲ 0.50% · 4.625%
HK$128,359
+HK$6,427/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,864/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,718 · Scale 2, in force from 26 Feb 2026)