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$57,510
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,299
−HK$1,817/mo
Today · 4.125%
HK$61,116
baseline
▲ 0.50% · 4.625%
HK$64,835
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,232/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,979
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$1,741/mo
Today · 4.125%
HK$67,436
baseline
▲ 0.50% · 4.625%
HK$70,990
+HK$3,554/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,872/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,012
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,159
−HK$2,181/mo
Today · 4.125%
HK$73,340
baseline
▲ 0.50% · 4.625%
HK$77,802
+HK$4,462/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,680/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,775
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,834
−HK$2,089/mo
Today · 4.125%
HK$80,923
baseline
▲ 0.50% · 4.625%
HK$85,189
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,846/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,514
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,018
−HK$2,545/mo
Today · 4.125%
HK$85,563
baseline
▲ 0.50% · 4.625%
HK$90,769
+HK$5,206/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$171,126/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,571
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,973
−HK$2,437/mo
Today · 4.125%
HK$94,410
baseline
▲ 0.50% · 4.625%
HK$99,387
+HK$4,977/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$188,820/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,518
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,738
−HK$3,271/mo
Today · 4.125%
HK$110,009
baseline
▲ 0.50% · 4.625%
HK$116,703
+HK$6,694/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,018/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,163
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,251
−HK$3,134/mo
Today · 4.125%
HK$121,385
baseline
▲ 0.50% · 4.625%
HK$127,783
+HK$6,398/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,770/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,885 · Scale 2, in force from 26 Feb 2026)