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$57,550
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,341
−HK$1,818/mo
Today · 4.125%
HK$61,159
baseline
▲ 0.50% · 4.625%
HK$64,881
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,318/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,024
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,741
−HK$1,742/mo
Today · 4.125%
HK$67,483
baseline
▲ 0.50% · 4.625%
HK$71,040
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,966/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,060
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,209
−HK$2,182/mo
Today · 4.125%
HK$73,391
baseline
▲ 0.50% · 4.625%
HK$77,857
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$146,782/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,829
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,890
−HK$2,090/mo
Today · 4.125%
HK$80,980
baseline
▲ 0.50% · 4.625%
HK$85,248
+HK$4,268/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$161,960/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,571
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,077
−HK$2,546/mo
Today · 4.125%
HK$85,623
baseline
▲ 0.50% · 4.625%
HK$90,833
+HK$5,210/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,246/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,634
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,038
−HK$2,439/mo
Today · 4.125%
HK$94,477
baseline
▲ 0.50% · 4.625%
HK$99,457
+HK$4,980/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,954/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,591
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,813
−HK$3,274/mo
Today · 4.125%
HK$110,087
baseline
▲ 0.50% · 4.625%
HK$116,785
+HK$6,698/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,174/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,244
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,334
−HK$3,136/mo
Today · 4.125%
HK$121,470
baseline
▲ 0.50% · 4.625%
HK$127,873
+HK$6,403/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,940/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,639 · Scale 2, in force from 26 Feb 2026)