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$57,646
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,439
−HK$1,822/mo
Today · 4.125%
HK$61,261
baseline
▲ 0.50% · 4.625%
HK$64,988
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,522/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,131
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,850
−HK$1,745/mo
Today · 4.125%
HK$67,595
baseline
▲ 0.50% · 4.625%
HK$71,158
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,190/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,175
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,327
−HK$2,186/mo
Today · 4.125%
HK$73,513
baseline
▲ 0.50% · 4.625%
HK$77,986
+HK$4,473/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,026/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,957
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,021
−HK$2,093/mo
Today · 4.125%
HK$81,114
baseline
▲ 0.50% · 4.625%
HK$85,390
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,228/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,704
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,215
−HK$2,550/mo
Today · 4.125%
HK$85,765
baseline
▲ 0.50% · 4.625%
HK$90,984
+HK$5,219/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,530/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,783
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,191
−HK$2,442/mo
Today · 4.125%
HK$94,633
baseline
▲ 0.50% · 4.625%
HK$99,622
+HK$4,989/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,266/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,763
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,990
−HK$3,280/mo
Today · 4.125%
HK$110,270
baseline
▲ 0.50% · 4.625%
HK$116,979
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,540/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,435
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,531
−HK$3,141/mo
Today · 4.125%
HK$121,672
baseline
▲ 0.50% · 4.625%
HK$128,085
+HK$6,413/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,344/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,420 · Scale 2, in force from 26 Feb 2026)