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$57,794
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,592
−HK$1,827/mo
Today · 4.125%
HK$61,419
baseline
▲ 0.50% · 4.625%
HK$65,156
+HK$3,737/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,838/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,296
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,020
−HK$1,749/mo
Today · 4.125%
HK$67,769
baseline
▲ 0.50% · 4.625%
HK$71,342
+HK$3,573/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,538/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,353
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,511
−HK$2,191/mo
Today · 4.125%
HK$73,702
baseline
▲ 0.50% · 4.625%
HK$78,187
+HK$4,485/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,404/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,155
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,224
−HK$2,099/mo
Today · 4.125%
HK$81,323
baseline
▲ 0.50% · 4.625%
HK$85,610
+HK$4,287/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,646/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,912
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,429
−HK$2,557/mo
Today · 4.125%
HK$85,986
baseline
▲ 0.50% · 4.625%
HK$91,218
+HK$5,232/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,972/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,014
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,428
−HK$2,449/mo
Today · 4.125%
HK$94,877
baseline
▲ 0.50% · 4.625%
HK$99,878
+HK$5,001/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,754/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,030
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,266
−HK$3,288/mo
Today · 4.125%
HK$110,554
baseline
▲ 0.50% · 4.625%
HK$117,280
+HK$6,726/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,108/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,732
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,836
−HK$3,149/mo
Today · 4.125%
HK$121,985
baseline
▲ 0.50% · 4.625%
HK$128,415
+HK$6,430/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,970/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,187 · Scale 2, in force from 26 Feb 2026)