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$57,500
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,289
−HK$1,817/mo
Today · 4.125%
HK$61,106
baseline
▲ 0.50% · 4.625%
HK$64,824
+HK$3,718/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,212/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,969
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,684
−HK$1,741/mo
Today · 4.125%
HK$67,425
baseline
▲ 0.50% · 4.625%
HK$70,979
+HK$3,554/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,850/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,001
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,147
−HK$2,181/mo
Today · 4.125%
HK$73,328
baseline
▲ 0.50% · 4.625%
HK$77,789
+HK$4,461/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,656/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,762
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,821
−HK$2,089/mo
Today · 4.125%
HK$80,910
baseline
▲ 0.50% · 4.625%
HK$85,175
+HK$4,265/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,820/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,501
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,005
−HK$2,544/mo
Today · 4.125%
HK$85,549
baseline
▲ 0.50% · 4.625%
HK$90,754
+HK$5,205/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$171,098/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,556
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,958
−HK$2,437/mo
Today · 4.125%
HK$94,395
baseline
▲ 0.50% · 4.625%
HK$99,370
+HK$4,975/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$188,790/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,501
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$106,720
−HK$3,271/mo
Today · 4.125%
HK$109,991
baseline
▲ 0.50% · 4.625%
HK$116,684
+HK$6,693/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$219,982/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,144
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,232
−HK$3,133/mo
Today · 4.125%
HK$121,365
baseline
▲ 0.50% · 4.625%
HK$127,762
+HK$6,397/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,730/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,709 · Scale 2, in force from 26 Feb 2026)