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$57,633
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,426
−HK$1,821/mo
Today · 4.125%
HK$61,247
baseline
▲ 0.50% · 4.625%
HK$64,974
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,494/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,116
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,836
−HK$1,744/mo
Today · 4.125%
HK$67,580
baseline
▲ 0.50% · 4.625%
HK$71,142
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,160/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,159
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,311
−HK$2,185/mo
Today · 4.125%
HK$73,496
baseline
▲ 0.50% · 4.625%
HK$77,968
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,992/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,939
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,003
−HK$2,093/mo
Today · 4.125%
HK$81,096
baseline
▲ 0.50% · 4.625%
HK$85,371
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,192/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,686
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,196
−HK$2,550/mo
Today · 4.125%
HK$85,746
baseline
▲ 0.50% · 4.625%
HK$90,963
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,492/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,762
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,170
−HK$2,442/mo
Today · 4.125%
HK$94,612
baseline
▲ 0.50% · 4.625%
HK$99,599
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,224/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,739
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,966
−HK$3,279/mo
Today · 4.125%
HK$110,245
baseline
▲ 0.50% · 4.625%
HK$116,953
+HK$6,708/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,490/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,409
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,504
−HK$3,140/mo
Today · 4.125%
HK$121,644
baseline
▲ 0.50% · 4.625%
HK$128,056
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,288/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,176 · Scale 2, in force from 26 Feb 2026)