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$57,511
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,817/mo
Today · 4.125%
HK$61,117
baseline
▲ 0.50% · 4.625%
HK$64,836
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,234/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,980
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,696
−HK$1,741/mo
Today · 4.125%
HK$67,437
baseline
▲ 0.50% · 4.625%
HK$70,992
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,874/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,013
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,160
−HK$2,181/mo
Today · 4.125%
HK$73,341
baseline
▲ 0.50% · 4.625%
HK$77,803
+HK$4,462/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,682/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,776
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,835
−HK$2,089/mo
Today · 4.125%
HK$80,924
baseline
▲ 0.50% · 4.625%
HK$85,190
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,848/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,515
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,020
−HK$2,544/mo
Today · 4.125%
HK$85,564
baseline
▲ 0.50% · 4.625%
HK$90,771
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$171,128/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,572
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,975
−HK$2,437/mo
Today · 4.125%
HK$94,412
baseline
▲ 0.50% · 4.625%
HK$99,388
+HK$4,976/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$188,824/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,520
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,740
−HK$3,271/mo
Today · 4.125%
HK$110,011
baseline
▲ 0.50% · 4.625%
HK$116,705
+HK$6,694/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,022/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,164
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,253
−HK$3,133/mo
Today · 4.125%
HK$121,386
baseline
▲ 0.50% · 4.625%
HK$127,785
+HK$6,399/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,772/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,903 · Scale 2, in force from 26 Feb 2026)