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$57,607
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,399
−HK$1,820/mo
Today · 4.125%
HK$61,219
baseline
▲ 0.50% · 4.625%
HK$64,944
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,438/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,087
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,806
−HK$1,744/mo
Today · 4.125%
HK$67,550
baseline
▲ 0.50% · 4.625%
HK$71,110
+HK$3,560/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,100/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,128
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,279
−HK$2,184/mo
Today · 4.125%
HK$73,463
baseline
▲ 0.50% · 4.625%
HK$77,933
+HK$4,470/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,926/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,905
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,967
−HK$2,092/mo
Today · 4.125%
HK$81,059
baseline
▲ 0.50% · 4.625%
HK$85,332
+HK$4,273/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,118/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,650
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,158
−HK$2,549/mo
Today · 4.125%
HK$85,707
baseline
▲ 0.50% · 4.625%
HK$90,922
+HK$5,215/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,414/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,722
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,128
−HK$2,441/mo
Today · 4.125%
HK$94,569
baseline
▲ 0.50% · 4.625%
HK$99,554
+HK$4,985/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,138/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,692
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,918
−HK$3,277/mo
Today · 4.125%
HK$110,195
baseline
▲ 0.50% · 4.625%
HK$116,900
+HK$6,705/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,390/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,357
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,451
−HK$3,138/mo
Today · 4.125%
HK$121,589
baseline
▲ 0.50% · 4.625%
HK$127,998
+HK$6,409/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,178/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,693 · Scale 2, in force from 26 Feb 2026)