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$57,759
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,556
−HK$1,826/mo
Today · 4.125%
HK$61,382
baseline
▲ 0.50% · 4.625%
HK$65,116
+HK$3,734/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,764/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,257
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,980
−HK$1,748/mo
Today · 4.125%
HK$67,728
baseline
▲ 0.50% · 4.625%
HK$71,299
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,456/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,311
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,467
−HK$2,191/mo
Today · 4.125%
HK$73,658
baseline
▲ 0.50% · 4.625%
HK$78,140
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,316/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,108
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,176
−HK$2,098/mo
Today · 4.125%
HK$81,274
baseline
▲ 0.50% · 4.625%
HK$85,558
+HK$4,284/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,548/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,863
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,379
−HK$2,555/mo
Today · 4.125%
HK$85,934
baseline
▲ 0.50% · 4.625%
HK$91,163
+HK$5,229/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,868/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,960
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,372
−HK$2,448/mo
Today · 4.125%
HK$94,820
baseline
▲ 0.50% · 4.625%
HK$99,818
+HK$4,998/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,640/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,967
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,201
−HK$3,286/mo
Today · 4.125%
HK$110,487
baseline
▲ 0.50% · 4.625%
HK$117,210
+HK$6,723/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$220,974/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,662
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,764
−HK$3,147/mo
Today · 4.125%
HK$121,911
baseline
▲ 0.50% · 4.625%
HK$128,337
+HK$6,426/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,822/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,537 · Scale 2, in force from 26 Feb 2026)