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$57,639
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,431
−HK$1,822/mo
Today · 4.125%
HK$61,253
baseline
▲ 0.50% · 4.625%
HK$64,980
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,506/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,122
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,842
−HK$1,745/mo
Today · 4.125%
HK$67,587
baseline
▲ 0.50% · 4.625%
HK$71,149
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,174/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,166
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,318
−HK$2,186/mo
Today · 4.125%
HK$73,504
baseline
▲ 0.50% · 4.625%
HK$77,976
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$147,008/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,947
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,010
−HK$2,094/mo
Today · 4.125%
HK$81,104
baseline
▲ 0.50% · 4.625%
HK$85,379
+HK$4,275/mo
Deposit HK$10.11M · loan HK$15.17M · min. income ≈ HK$162,208/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,694
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,204
−HK$2,550/mo
Today · 4.125%
HK$85,754
baseline
▲ 0.50% · 4.625%
HK$90,972
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,508/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,771
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,179
−HK$2,442/mo
Today · 4.125%
HK$94,621
baseline
▲ 0.50% · 4.625%
HK$99,609
+HK$4,988/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,242/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,749
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,977
−HK$3,278/mo
Today · 4.125%
HK$110,255
baseline
▲ 0.50% · 4.625%
HK$116,964
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,510/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,420
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,516
−HK$3,140/mo
Today · 4.125%
HK$121,656
baseline
▲ 0.50% · 4.625%
HK$128,069
+HK$6,413/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,312/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,283 · Scale 2, in force from 26 Feb 2026)