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$57,585
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,376
−HK$1,820/mo
Today · 4.125%
HK$61,196
baseline
▲ 0.50% · 4.625%
HK$64,920
+HK$3,724/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,392/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,063
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,781
−HK$1,743/mo
Today · 4.125%
HK$67,524
baseline
▲ 0.50% · 4.625%
HK$71,083
+HK$3,559/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,048/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,102
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,251
−HK$2,184/mo
Today · 4.125%
HK$73,435
baseline
▲ 0.50% · 4.625%
HK$77,904
+HK$4,469/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,870/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,875
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,937
−HK$2,091/mo
Today · 4.125%
HK$81,028
baseline
▲ 0.50% · 4.625%
HK$85,300
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,056/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,619
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,127
−HK$2,547/mo
Today · 4.125%
HK$85,674
baseline
▲ 0.50% · 4.625%
HK$90,887
+HK$5,213/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,348/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,688
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,093
−HK$2,440/mo
Today · 4.125%
HK$94,533
baseline
▲ 0.50% · 4.625%
HK$99,516
+HK$4,983/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,066/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,653
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,877
−HK$3,276/mo
Today · 4.125%
HK$110,153
baseline
▲ 0.50% · 4.625%
HK$116,855
+HK$6,702/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,306/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,313
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,405
−HK$3,138/mo
Today · 4.125%
HK$121,543
baseline
▲ 0.50% · 4.625%
HK$127,949
+HK$6,406/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,086/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,282 · Scale 2, in force from 26 Feb 2026)