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$57,509
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,298
−HK$1,817/mo
Today · 4.125%
HK$61,115
baseline
▲ 0.50% · 4.625%
HK$64,834
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,230/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,978
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,694
−HK$1,741/mo
Today · 4.125%
HK$67,435
baseline
▲ 0.50% · 4.625%
HK$70,989
+HK$3,554/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,870/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,011
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,157
−HK$2,181/mo
Today · 4.125%
HK$73,338
baseline
▲ 0.50% · 4.625%
HK$77,801
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,676/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,774
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,833
−HK$2,089/mo
Today · 4.125%
HK$80,922
baseline
▲ 0.50% · 4.625%
HK$85,187
+HK$4,265/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,844/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,513
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,017
−HK$2,544/mo
Today · 4.125%
HK$85,561
baseline
▲ 0.50% · 4.625%
HK$90,768
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$171,122/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,569
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,972
−HK$2,437/mo
Today · 4.125%
HK$94,409
baseline
▲ 0.50% · 4.625%
HK$99,385
+HK$4,976/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$188,818/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,516
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,736
−HK$3,272/mo
Today · 4.125%
HK$110,008
baseline
▲ 0.50% · 4.625%
HK$116,701
+HK$6,693/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,016/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,161
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,249
−HK$3,134/mo
Today · 4.125%
HK$121,383
baseline
▲ 0.50% · 4.625%
HK$127,781
+HK$6,398/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,766/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,868 · Scale 2, in force from 26 Feb 2026)