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$57,497
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,286
−HK$1,817/mo
Today · 4.125%
HK$61,103
baseline
▲ 0.50% · 4.625%
HK$64,821
+HK$3,718/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,206/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,965
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,681
−HK$1,740/mo
Today · 4.125%
HK$67,421
baseline
▲ 0.50% · 4.625%
HK$70,975
+HK$3,554/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,842/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,997
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,143
−HK$2,181/mo
Today · 4.125%
HK$73,324
baseline
▲ 0.50% · 4.625%
HK$77,785
+HK$4,461/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,648/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,758
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,817
−HK$2,088/mo
Today · 4.125%
HK$80,905
baseline
▲ 0.50% · 4.625%
HK$85,170
+HK$4,265/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,810/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,496
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,000
−HK$2,544/mo
Today · 4.125%
HK$85,544
baseline
▲ 0.50% · 4.625%
HK$90,749
+HK$5,205/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,088/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,551
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,953
−HK$2,436/mo
Today · 4.125%
HK$94,389
baseline
▲ 0.50% · 4.625%
HK$99,365
+HK$4,976/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,778/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,495
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$106,715
−HK$3,270/mo
Today · 4.125%
HK$109,985
baseline
▲ 0.50% · 4.625%
HK$116,678
+HK$6,693/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,970/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,137
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,225
−HK$3,133/mo
Today · 4.125%
HK$121,358
baseline
▲ 0.50% · 4.625%
HK$127,755
+HK$6,397/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,716/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,651 · Scale 2, in force from 26 Feb 2026)