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$57,719
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,515
−HK$1,824/mo
Today · 4.125%
HK$61,339
baseline
▲ 0.50% · 4.625%
HK$65,071
+HK$3,732/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,678/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,212
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,934
−HK$1,747/mo
Today · 4.125%
HK$67,681
baseline
▲ 0.50% · 4.625%
HK$71,249
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,362/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,263
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,418
−HK$2,189/mo
Today · 4.125%
HK$73,607
baseline
▲ 0.50% · 4.625%
HK$78,085
+HK$4,478/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,214/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,055
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,121
−HK$2,097/mo
Today · 4.125%
HK$81,218
baseline
▲ 0.50% · 4.625%
HK$85,499
+HK$4,281/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,436/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,807
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,321
−HK$2,553/mo
Today · 4.125%
HK$85,874
baseline
▲ 0.50% · 4.625%
HK$91,100
+HK$5,226/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,748/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,897
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,308
−HK$2,446/mo
Today · 4.125%
HK$94,754
baseline
▲ 0.50% · 4.625%
HK$99,749
+HK$4,995/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,508/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,895
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,127
−HK$3,283/mo
Today · 4.125%
HK$110,410
baseline
▲ 0.50% · 4.625%
HK$117,128
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,820/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,582
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,682
−HK$3,144/mo
Today · 4.125%
HK$121,826
baseline
▲ 0.50% · 4.625%
HK$128,248
+HK$6,422/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,652/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,788 · Scale 2, in force from 26 Feb 2026)