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$57,730
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,526
−HK$1,824/mo
Today · 4.125%
HK$61,350
baseline
▲ 0.50% · 4.625%
HK$65,083
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,700/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,224
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,946
−HK$1,748/mo
Today · 4.125%
HK$67,694
baseline
▲ 0.50% · 4.625%
HK$71,262
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,388/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,276
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,431
−HK$2,189/mo
Today · 4.125%
HK$73,620
baseline
▲ 0.50% · 4.625%
HK$78,100
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,240/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,069
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,136
−HK$2,096/mo
Today · 4.125%
HK$81,232
baseline
▲ 0.50% · 4.625%
HK$85,514
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,464/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,822
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,336
−HK$2,554/mo
Today · 4.125%
HK$85,890
baseline
▲ 0.50% · 4.625%
HK$91,116
+HK$5,226/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,780/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,913
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,325
−HK$2,446/mo
Today · 4.125%
HK$94,771
baseline
▲ 0.50% · 4.625%
HK$99,767
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,542/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,914
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,146
−HK$3,284/mo
Today · 4.125%
HK$110,430
baseline
▲ 0.50% · 4.625%
HK$117,149
+HK$6,719/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,860/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,603
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,703
−HK$3,146/mo
Today · 4.125%
HK$121,849
baseline
▲ 0.50% · 4.625%
HK$128,271
+HK$6,422/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,698/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,983 · Scale 2, in force from 26 Feb 2026)