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$57,771
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,568
−HK$1,826/mo
Today · 4.125%
HK$61,394
baseline
▲ 0.50% · 4.625%
HK$65,130
+HK$3,736/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,788/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,270
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,994
−HK$1,748/mo
Today · 4.125%
HK$67,742
baseline
▲ 0.50% · 4.625%
HK$71,313
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,484/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,326
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,482
−HK$2,191/mo
Today · 4.125%
HK$73,673
baseline
▲ 0.50% · 4.625%
HK$78,156
+HK$4,483/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,346/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,124
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,192
−HK$2,099/mo
Today · 4.125%
HK$81,291
baseline
▲ 0.50% · 4.625%
HK$85,576
+HK$4,285/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,582/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,880
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,396
−HK$2,556/mo
Today · 4.125%
HK$85,952
baseline
▲ 0.50% · 4.625%
HK$91,182
+HK$5,230/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,904/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,978
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,391
−HK$2,448/mo
Today · 4.125%
HK$94,839
baseline
▲ 0.50% · 4.625%
HK$99,838
+HK$4,999/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,678/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,988
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,223
−HK$3,286/mo
Today · 4.125%
HK$110,509
baseline
▲ 0.50% · 4.625%
HK$117,234
+HK$6,725/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$221,018/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,686
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,789
−HK$3,147/mo
Today · 4.125%
HK$121,936
baseline
▲ 0.50% · 4.625%
HK$128,364
+HK$6,428/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,872/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,757 · Scale 2, in force from 26 Feb 2026)