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$57,650
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,443
−HK$1,822/mo
Today · 4.125%
HK$61,265
baseline
▲ 0.50% · 4.625%
HK$64,993
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,530/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,135
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,855
−HK$1,745/mo
Today · 4.125%
HK$67,600
baseline
▲ 0.50% · 4.625%
HK$71,163
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,200/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,180
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,332
−HK$2,186/mo
Today · 4.125%
HK$73,518
baseline
▲ 0.50% · 4.625%
HK$77,992
+HK$4,474/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,036/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,962
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,026
−HK$2,094/mo
Today · 4.125%
HK$81,120
baseline
▲ 0.50% · 4.625%
HK$85,396
+HK$4,276/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,240/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,710
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,221
−HK$2,550/mo
Today · 4.125%
HK$85,771
baseline
▲ 0.50% · 4.625%
HK$90,990
+HK$5,219/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$171,542/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,789
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,197
−HK$2,443/mo
Today · 4.125%
HK$94,640
baseline
▲ 0.50% · 4.625%
HK$99,629
+HK$4,989/mo
Deposit HK$7.58M · loan HK$17.70M · min. income ≈ HK$189,280/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,770
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$106,998
−HK$3,279/mo
Today · 4.125%
HK$110,277
baseline
▲ 0.50% · 4.625%
HK$116,987
+HK$6,710/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,554/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,443
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,539
−HK$3,141/mo
Today · 4.125%
HK$121,680
baseline
▲ 0.50% · 4.625%
HK$128,094
+HK$6,414/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,360/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,496 · Scale 2, in force from 26 Feb 2026)