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$57,570
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,361
−HK$1,819/mo
Today · 4.125%
HK$61,180
baseline
▲ 0.50% · 4.625%
HK$64,903
+HK$3,723/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,360/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,046
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,763
−HK$1,743/mo
Today · 4.125%
HK$67,506
baseline
▲ 0.50% · 4.625%
HK$71,064
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,012/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,084
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,233
−HK$2,183/mo
Today · 4.125%
HK$73,416
baseline
▲ 0.50% · 4.625%
HK$77,883
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,832/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,855
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,916
−HK$2,091/mo
Today · 4.125%
HK$81,007
baseline
▲ 0.50% · 4.625%
HK$85,277
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,014/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,598
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,105
−HK$2,547/mo
Today · 4.125%
HK$85,652
baseline
▲ 0.50% · 4.625%
HK$90,864
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,304/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,664
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,069
−HK$2,439/mo
Today · 4.125%
HK$94,508
baseline
▲ 0.50% · 4.625%
HK$99,490
+HK$4,982/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,016/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,626
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,849
−HK$3,275/mo
Today · 4.125%
HK$110,124
baseline
▲ 0.50% · 4.625%
HK$116,825
+HK$6,701/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,248/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,282
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,374
−HK$3,137/mo
Today · 4.125%
HK$121,511
baseline
▲ 0.50% · 4.625%
HK$127,916
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,022/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,001 · Scale 2, in force from 26 Feb 2026)