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$57,744
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,540
−HK$1,825/mo
Today · 4.125%
HK$61,365
baseline
▲ 0.50% · 4.625%
HK$65,099
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,730/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,240
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,963
−HK$1,748/mo
Today · 4.125%
HK$67,711
baseline
▲ 0.50% · 4.625%
HK$71,280
+HK$3,569/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,422/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,293
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,448
−HK$2,190/mo
Today · 4.125%
HK$73,638
baseline
▲ 0.50% · 4.625%
HK$78,119
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,276/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,088
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,155
−HK$2,098/mo
Today · 4.125%
HK$81,253
baseline
▲ 0.50% · 4.625%
HK$85,536
+HK$4,283/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,506/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,842
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,357
−HK$2,554/mo
Today · 4.125%
HK$85,911
baseline
▲ 0.50% · 4.625%
HK$91,139
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,822/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,936
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,348
−HK$2,447/mo
Today · 4.125%
HK$94,795
baseline
▲ 0.50% · 4.625%
HK$99,791
+HK$4,996/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,590/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,940
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,173
−HK$3,284/mo
Today · 4.125%
HK$110,457
baseline
▲ 0.50% · 4.625%
HK$117,179
+HK$6,722/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,914/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,632
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,733
−HK$3,146/mo
Today · 4.125%
HK$121,879
baseline
▲ 0.50% · 4.625%
HK$128,303
+HK$6,424/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,758/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,251 · Scale 2, in force from 26 Feb 2026)