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$57,573
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,364
−HK$1,820/mo
Today · 4.125%
HK$61,184
baseline
▲ 0.50% · 4.625%
HK$64,906
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,368/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,050
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,767
−HK$1,743/mo
Today · 4.125%
HK$67,510
baseline
▲ 0.50% · 4.625%
HK$71,069
+HK$3,559/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,020/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,088
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,237
−HK$2,183/mo
Today · 4.125%
HK$73,420
baseline
▲ 0.50% · 4.625%
HK$77,888
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,840/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,860
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,921
−HK$2,091/mo
Today · 4.125%
HK$81,012
baseline
▲ 0.50% · 4.625%
HK$85,282
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,024/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,603
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,110
−HK$2,547/mo
Today · 4.125%
HK$85,657
baseline
▲ 0.50% · 4.625%
HK$90,869
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,314/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,670
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,074
−HK$2,440/mo
Today · 4.125%
HK$94,514
baseline
▲ 0.50% · 4.625%
HK$99,496
+HK$4,982/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,028/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,632
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,855
−HK$3,275/mo
Today · 4.125%
HK$110,130
baseline
▲ 0.50% · 4.625%
HK$116,832
+HK$6,702/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,260/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,289
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,381
−HK$3,137/mo
Today · 4.125%
HK$121,518
baseline
▲ 0.50% · 4.625%
HK$127,923
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,036/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,065 · Scale 2, in force from 26 Feb 2026)