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$57,487
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,275
−HK$1,817/mo
Today · 4.125%
HK$61,092
baseline
▲ 0.50% · 4.625%
HK$64,809
+HK$3,717/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,184/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,954
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,669
−HK$1,740/mo
Today · 4.125%
HK$67,409
baseline
▲ 0.50% · 4.625%
HK$70,962
+HK$3,553/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,818/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,985
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,130
−HK$2,181/mo
Today · 4.125%
HK$73,311
baseline
▲ 0.50% · 4.625%
HK$77,771
+HK$4,460/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$146,622/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,745
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,803
−HK$2,088/mo
Today · 4.125%
HK$80,891
baseline
▲ 0.50% · 4.625%
HK$85,155
+HK$4,264/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$161,782/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,482
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,986
−HK$2,543/mo
Today · 4.125%
HK$85,529
baseline
▲ 0.50% · 4.625%
HK$90,733
+HK$5,204/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,058/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,536
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,937
−HK$2,436/mo
Today · 4.125%
HK$94,373
baseline
▲ 0.50% · 4.625%
HK$99,347
+HK$4,974/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,746/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,477
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,696
−HK$3,270/mo
Today · 4.125%
HK$109,966
baseline
▲ 0.50% · 4.625%
HK$116,657
+HK$6,691/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,932/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,117
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,204
−HK$3,132/mo
Today · 4.125%
HK$121,336
baseline
▲ 0.50% · 4.625%
HK$127,732
+HK$6,396/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,672/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,461 · Scale 2, in force from 26 Feb 2026)