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$57,594
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,386
−HK$1,820/mo
Today · 4.125%
HK$61,206
baseline
▲ 0.50% · 4.625%
HK$64,930
+HK$3,724/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,412/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,073
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,792
−HK$1,743/mo
Today · 4.125%
HK$67,535
baseline
▲ 0.50% · 4.625%
HK$71,095
+HK$3,560/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,070/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,113
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,263
−HK$2,184/mo
Today · 4.125%
HK$73,447
baseline
▲ 0.50% · 4.625%
HK$77,916
+HK$4,469/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,894/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,888
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,950
−HK$2,092/mo
Today · 4.125%
HK$81,042
baseline
▲ 0.50% · 4.625%
HK$85,314
+HK$4,272/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,084/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,632
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,140
−HK$2,549/mo
Today · 4.125%
HK$85,689
baseline
▲ 0.50% · 4.625%
HK$90,902
+HK$5,213/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,378/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,703
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,108
−HK$2,441/mo
Today · 4.125%
HK$94,549
baseline
▲ 0.50% · 4.625%
HK$99,533
+HK$4,984/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,098/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,670
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,895
−HK$3,276/mo
Today · 4.125%
HK$110,171
baseline
▲ 0.50% · 4.625%
HK$116,875
+HK$6,704/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,342/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,332
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,425
−HK$3,138/mo
Today · 4.125%
HK$121,563
baseline
▲ 0.50% · 4.625%
HK$127,971
+HK$6,408/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,126/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,460 · Scale 2, in force from 26 Feb 2026)