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$57,534
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,324
−HK$1,818/mo
Today · 4.125%
HK$61,142
baseline
▲ 0.50% · 4.625%
HK$64,862
+HK$3,720/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,284/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,006
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,723
−HK$1,741/mo
Today · 4.125%
HK$67,464
baseline
▲ 0.50% · 4.625%
HK$71,020
+HK$3,556/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,928/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,041
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,188
−HK$2,182/mo
Today · 4.125%
HK$73,370
baseline
▲ 0.50% · 4.625%
HK$77,835
+HK$4,465/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,740/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,807
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,867
−HK$2,090/mo
Today · 4.125%
HK$80,957
baseline
▲ 0.50% · 4.625%
HK$85,224
+HK$4,267/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,914/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,548
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,053
−HK$2,546/mo
Today · 4.125%
HK$85,599
baseline
▲ 0.50% · 4.625%
HK$90,807
+HK$5,208/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,198/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,608
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,012
−HK$2,438/mo
Today · 4.125%
HK$94,450
baseline
▲ 0.50% · 4.625%
HK$99,428
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,900/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,561
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,783
−HK$3,272/mo
Today · 4.125%
HK$110,055
baseline
▲ 0.50% · 4.625%
HK$116,752
+HK$6,697/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,110/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,211
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,301
−HK$3,134/mo
Today · 4.125%
HK$121,435
baseline
▲ 0.50% · 4.625%
HK$127,836
+HK$6,401/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,870/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,334 · Scale 2, in force from 26 Feb 2026)