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$57,548
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,338
−HK$1,819/mo
Today · 4.125%
HK$61,157
baseline
▲ 0.50% · 4.625%
HK$64,878
+HK$3,721/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,314/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,022
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,739
−HK$1,742/mo
Today · 4.125%
HK$67,481
baseline
▲ 0.50% · 4.625%
HK$71,038
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,962/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,058
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,206
−HK$2,182/mo
Today · 4.125%
HK$73,388
baseline
▲ 0.50% · 4.625%
HK$77,854
+HK$4,466/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$146,776/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,826
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,886
−HK$2,091/mo
Today · 4.125%
HK$80,977
baseline
▲ 0.50% · 4.625%
HK$85,245
+HK$4,268/mo
Deposit HK$10.10M · loan HK$15.14M · min. income ≈ HK$161,954/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,567
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,073
−HK$2,547/mo
Today · 4.125%
HK$85,620
baseline
▲ 0.50% · 4.625%
HK$90,829
+HK$5,209/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,240/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,630
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,034
−HK$2,439/mo
Today · 4.125%
HK$94,473
baseline
▲ 0.50% · 4.625%
HK$99,453
+HK$4,980/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,946/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,587
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,809
−HK$3,273/mo
Today · 4.125%
HK$110,082
baseline
▲ 0.50% · 4.625%
HK$116,781
+HK$6,699/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$220,164/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,239
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,330
−HK$3,135/mo
Today · 4.125%
HK$121,465
baseline
▲ 0.50% · 4.625%
HK$127,868
+HK$6,403/mo
Deposit HK$2.52M · loan HK$22.71M · min. income ≈ HK$242,930/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,596 · Scale 2, in force from 26 Feb 2026)