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$57,652
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,445
−HK$1,822/mo
Today · 4.125%
HK$61,267
baseline
▲ 0.50% · 4.625%
HK$64,995
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,534/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,137
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,857
−HK$1,745/mo
Today · 4.125%
HK$67,602
baseline
▲ 0.50% · 4.625%
HK$71,165
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,204/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,182
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,334
−HK$2,186/mo
Today · 4.125%
HK$73,520
baseline
▲ 0.50% · 4.625%
HK$77,994
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,040/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,964
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,028
−HK$2,094/mo
Today · 4.125%
HK$81,122
baseline
▲ 0.50% · 4.625%
HK$85,398
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,244/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,712
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,223
−HK$2,550/mo
Today · 4.125%
HK$85,773
baseline
▲ 0.50% · 4.625%
HK$90,993
+HK$5,220/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,546/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,791
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,200
−HK$2,443/mo
Today · 4.125%
HK$94,643
baseline
▲ 0.50% · 4.625%
HK$99,631
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,286/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,773
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$107,001
−HK$3,279/mo
Today · 4.125%
HK$110,280
baseline
▲ 0.50% · 4.625%
HK$116,990
+HK$6,710/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,560/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,446
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,542
−HK$3,141/mo
Today · 4.125%
HK$121,683
baseline
▲ 0.50% · 4.625%
HK$128,097
+HK$6,414/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,366/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,524 · Scale 2, in force from 26 Feb 2026)