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$57,761
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,558
−HK$1,826/mo
Today · 4.125%
HK$61,384
baseline
▲ 0.50% · 4.625%
HK$65,119
+HK$3,735/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,768/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,259
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,982
−HK$1,749/mo
Today · 4.125%
HK$67,731
baseline
▲ 0.50% · 4.625%
HK$71,301
+HK$3,570/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,462/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,314
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,470
−HK$2,190/mo
Today · 4.125%
HK$73,660
baseline
▲ 0.50% · 4.625%
HK$78,142
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,320/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,111
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,179
−HK$2,098/mo
Today · 4.125%
HK$81,277
baseline
▲ 0.50% · 4.625%
HK$85,561
+HK$4,284/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,554/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,866
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,381
−HK$2,556/mo
Today · 4.125%
HK$85,937
baseline
▲ 0.50% · 4.625%
HK$91,166
+HK$5,229/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,874/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,963
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,375
−HK$2,448/mo
Today · 4.125%
HK$94,823
baseline
▲ 0.50% · 4.625%
HK$99,821
+HK$4,998/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,646/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,971
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,205
−HK$3,286/mo
Today · 4.125%
HK$110,491
baseline
▲ 0.50% · 4.625%
HK$117,214
+HK$6,723/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$220,982/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,666
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,768
−HK$3,147/mo
Today · 4.125%
HK$121,915
baseline
▲ 0.50% · 4.625%
HK$128,342
+HK$6,427/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,830/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,574 · Scale 2, in force from 26 Feb 2026)