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$57,747
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,543
−HK$1,825/mo
Today · 4.125%
HK$61,368
baseline
▲ 0.50% · 4.625%
HK$65,102
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,736/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,243
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,966
−HK$1,748/mo
Today · 4.125%
HK$67,714
baseline
▲ 0.50% · 4.625%
HK$71,283
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,428/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,297
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,452
−HK$2,190/mo
Today · 4.125%
HK$73,642
baseline
▲ 0.50% · 4.625%
HK$78,123
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,284/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,092
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,159
−HK$2,098/mo
Today · 4.125%
HK$81,257
baseline
▲ 0.50% · 4.625%
HK$85,540
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,514/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,846
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,361
−HK$2,555/mo
Today · 4.125%
HK$85,916
baseline
▲ 0.50% · 4.625%
HK$91,143
+HK$5,227/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,832/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,940
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,352
−HK$2,448/mo
Today · 4.125%
HK$94,800
baseline
▲ 0.50% · 4.625%
HK$99,797
+HK$4,997/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,600/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,945
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,178
−HK$3,285/mo
Today · 4.125%
HK$110,463
baseline
▲ 0.50% · 4.625%
HK$117,184
+HK$6,721/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,926/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,638
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,739
−HK$3,146/mo
Today · 4.125%
HK$121,885
baseline
▲ 0.50% · 4.625%
HK$128,310
+HK$6,425/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,770/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,306 · Scale 2, in force from 26 Feb 2026)