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$57,517
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,306
−HK$1,817/mo
Today · 4.125%
HK$61,123
baseline
▲ 0.50% · 4.625%
HK$64,843
+HK$3,720/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,246/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,987
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,703
−HK$1,741/mo
Today · 4.125%
HK$67,444
baseline
▲ 0.50% · 4.625%
HK$70,999
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,888/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,020
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,167
−HK$2,181/mo
Today · 4.125%
HK$73,348
baseline
▲ 0.50% · 4.625%
HK$77,811
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,696/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,784
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,843
−HK$2,089/mo
Today · 4.125%
HK$80,932
baseline
▲ 0.50% · 4.625%
HK$85,198
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,864/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,523
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,028
−HK$2,545/mo
Today · 4.125%
HK$85,573
baseline
▲ 0.50% · 4.625%
HK$90,780
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,146/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,581
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,984
−HK$2,437/mo
Today · 4.125%
HK$94,421
baseline
▲ 0.50% · 4.625%
HK$99,398
+HK$4,977/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,842/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,530
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,750
−HK$3,272/mo
Today · 4.125%
HK$110,022
baseline
▲ 0.50% · 4.625%
HK$116,717
+HK$6,695/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,044/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,176
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,265
−HK$3,134/mo
Today · 4.125%
HK$121,399
baseline
▲ 0.50% · 4.625%
HK$127,798
+HK$6,399/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,798/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,010 · Scale 2, in force from 26 Feb 2026)