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$57,630
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,423
−HK$1,821/mo
Today · 4.125%
HK$61,244
baseline
▲ 0.50% · 4.625%
HK$64,971
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,488/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,113
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,832
−HK$1,745/mo
Today · 4.125%
HK$67,577
baseline
▲ 0.50% · 4.625%
HK$71,139
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,154/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,156
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,307
−HK$2,186/mo
Today · 4.125%
HK$73,493
baseline
▲ 0.50% · 4.625%
HK$77,965
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,986/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,936
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,999
−HK$2,093/mo
Today · 4.125%
HK$81,092
baseline
▲ 0.50% · 4.625%
HK$85,367
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,184/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,682
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,192
−HK$2,550/mo
Today · 4.125%
HK$85,742
baseline
▲ 0.50% · 4.625%
HK$90,959
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,484/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,758
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,165
−HK$2,442/mo
Today · 4.125%
HK$94,607
baseline
▲ 0.50% · 4.625%
HK$99,594
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,214/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,734
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,961
−HK$3,278/mo
Today · 4.125%
HK$110,239
baseline
▲ 0.50% · 4.625%
HK$116,947
+HK$6,708/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,478/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,403
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,498
−HK$3,140/mo
Today · 4.125%
HK$121,638
baseline
▲ 0.50% · 4.625%
HK$128,050
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,276/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,126 · Scale 2, in force from 26 Feb 2026)