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$57,788
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,586
−HK$1,826/mo
Today · 4.125%
HK$61,412
baseline
▲ 0.50% · 4.625%
HK$65,149
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,824/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,289
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,013
−HK$1,749/mo
Today · 4.125%
HK$67,762
baseline
▲ 0.50% · 4.625%
HK$71,334
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,524/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,346
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,503
−HK$2,192/mo
Today · 4.125%
HK$73,695
baseline
▲ 0.50% · 4.625%
HK$78,179
+HK$4,484/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,390/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,147
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,216
−HK$2,099/mo
Today · 4.125%
HK$81,315
baseline
▲ 0.50% · 4.625%
HK$85,601
+HK$4,286/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,630/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,077,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,904
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,420
−HK$2,557/mo
Today · 4.125%
HK$85,977
baseline
▲ 0.50% · 4.625%
HK$91,209
+HK$5,232/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,954/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,005
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,418
−HK$2,449/mo
Today · 4.125%
HK$94,867
baseline
▲ 0.50% · 4.625%
HK$99,868
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,734/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,019
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,255
−HK$3,287/mo
Today · 4.125%
HK$110,542
baseline
▲ 0.50% · 4.625%
HK$117,268
+HK$6,726/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,084/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,720
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,824
−HK$3,148/mo
Today · 4.125%
HK$121,972
baseline
▲ 0.50% · 4.625%
HK$128,401
+HK$6,429/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,944/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,074 · Scale 2, in force from 26 Feb 2026)