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$57,729
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,525
−HK$1,824/mo
Today · 4.125%
HK$61,349
baseline
▲ 0.50% · 4.625%
HK$65,082
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,698/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,223
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,946
−HK$1,747/mo
Today · 4.125%
HK$67,693
baseline
▲ 0.50% · 4.625%
HK$71,261
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,386/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,275
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,430
−HK$2,189/mo
Today · 4.125%
HK$73,619
baseline
▲ 0.50% · 4.625%
HK$78,099
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,238/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,068
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,135
−HK$2,097/mo
Today · 4.125%
HK$81,232
baseline
▲ 0.50% · 4.625%
HK$85,513
+HK$4,281/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,464/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,821
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,335
−HK$2,554/mo
Today · 4.125%
HK$85,889
baseline
▲ 0.50% · 4.625%
HK$91,115
+HK$5,226/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$171,778/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,912
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,324
−HK$2,446/mo
Today · 4.125%
HK$94,770
baseline
▲ 0.50% · 4.625%
HK$99,766
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.72M · min. income ≈ HK$189,540/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,913
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,145
−HK$3,284/mo
Today · 4.125%
HK$110,429
baseline
▲ 0.50% · 4.625%
HK$117,148
+HK$6,719/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,858/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,602
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,702
−HK$3,145/mo
Today · 4.125%
HK$121,847
baseline
▲ 0.50% · 4.625%
HK$128,270
+HK$6,423/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,694/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,972 · Scale 2, in force from 26 Feb 2026)