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$57,542
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,332
−HK$1,818/mo
Today · 4.125%
HK$61,150
baseline
▲ 0.50% · 4.625%
HK$64,871
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,300/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,015
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,731
−HK$1,742/mo
Today · 4.125%
HK$67,473
baseline
▲ 0.50% · 4.625%
HK$71,030
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,946/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,050
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,198
−HK$2,182/mo
Today · 4.125%
HK$73,380
baseline
▲ 0.50% · 4.625%
HK$77,845
+HK$4,465/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,760/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,817
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,878
−HK$2,090/mo
Today · 4.125%
HK$80,968
baseline
▲ 0.50% · 4.625%
HK$85,236
+HK$4,268/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,936/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,558
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,064
−HK$2,546/mo
Today · 4.125%
HK$85,610
baseline
▲ 0.50% · 4.625%
HK$90,819
+HK$5,209/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,220/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,620
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,024
−HK$2,438/mo
Today · 4.125%
HK$94,462
baseline
▲ 0.50% · 4.625%
HK$99,441
+HK$4,979/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,924/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,575
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,797
−HK$3,273/mo
Today · 4.125%
HK$110,070
baseline
▲ 0.50% · 4.625%
HK$116,768
+HK$6,698/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,140/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,226
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,316
−HK$3,135/mo
Today · 4.125%
HK$121,451
baseline
▲ 0.50% · 4.625%
HK$127,853
+HK$6,402/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,902/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,477 · Scale 2, in force from 26 Feb 2026)