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$57,751
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,547
−HK$1,825/mo
Today · 4.125%
HK$61,372
baseline
▲ 0.50% · 4.625%
HK$65,107
+HK$3,735/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,744/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,247
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,970
−HK$1,748/mo
Today · 4.125%
HK$67,718
baseline
▲ 0.50% · 4.625%
HK$71,288
+HK$3,570/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,436/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,301
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,457
−HK$2,190/mo
Today · 4.125%
HK$73,647
baseline
▲ 0.50% · 4.625%
HK$78,128
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,294/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,097
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,165
−HK$2,097/mo
Today · 4.125%
HK$81,262
baseline
▲ 0.50% · 4.625%
HK$85,546
+HK$4,284/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,524/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,851
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,366
−HK$2,555/mo
Today · 4.125%
HK$85,921
baseline
▲ 0.50% · 4.625%
HK$91,150
+HK$5,229/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,842/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,946
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,359
−HK$2,447/mo
Today · 4.125%
HK$94,806
baseline
▲ 0.50% · 4.625%
HK$99,803
+HK$4,997/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,612/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,952
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,185
−HK$3,285/mo
Today · 4.125%
HK$110,470
baseline
▲ 0.50% · 4.625%
HK$117,192
+HK$6,722/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,940/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,645
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,747
−HK$3,146/mo
Today · 4.125%
HK$121,893
baseline
▲ 0.50% · 4.625%
HK$128,318
+HK$6,425/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,786/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,378 · Scale 2, in force from 26 Feb 2026)