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$57,557
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,347
−HK$1,819/mo
Today · 4.125%
HK$61,166
baseline
▲ 0.50% · 4.625%
HK$64,888
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,332/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,032
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,749
−HK$1,742/mo
Today · 4.125%
HK$67,491
baseline
▲ 0.50% · 4.625%
HK$71,049
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,982/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,068
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,217
−HK$2,183/mo
Today · 4.125%
HK$73,400
baseline
▲ 0.50% · 4.625%
HK$77,866
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$146,800/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,838
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,899
−HK$2,090/mo
Today · 4.125%
HK$80,989
baseline
▲ 0.50% · 4.625%
HK$85,258
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$161,978/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,580
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,086
−HK$2,547/mo
Today · 4.125%
HK$85,633
baseline
▲ 0.50% · 4.625%
HK$90,843
+HK$5,210/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,266/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,644
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,048
−HK$2,439/mo
Today · 4.125%
HK$94,487
baseline
▲ 0.50% · 4.625%
HK$99,468
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,974/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,603
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,825
−HK$3,274/mo
Today · 4.125%
HK$110,099
baseline
▲ 0.50% · 4.625%
HK$116,799
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,198/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,257
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,348
−HK$3,136/mo
Today · 4.125%
HK$121,484
baseline
▲ 0.50% · 4.625%
HK$127,887
+HK$6,403/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,968/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,763 · Scale 2, in force from 26 Feb 2026)