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$57,495
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,283
−HK$1,817/mo
Today · 4.125%
HK$61,100
baseline
▲ 0.50% · 4.625%
HK$64,818
+HK$3,718/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,200/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,962
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,678
−HK$1,740/mo
Today · 4.125%
HK$67,418
baseline
▲ 0.50% · 4.625%
HK$70,972
+HK$3,554/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,836/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,994
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,140
−HK$2,180/mo
Today · 4.125%
HK$73,320
baseline
▲ 0.50% · 4.625%
HK$77,782
+HK$4,462/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,640/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,755
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,813
−HK$2,089/mo
Today · 4.125%
HK$80,902
baseline
▲ 0.50% · 4.625%
HK$85,166
+HK$4,264/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,804/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,493
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,996
−HK$2,544/mo
Today · 4.125%
HK$85,540
baseline
▲ 0.50% · 4.625%
HK$90,745
+HK$5,205/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,080/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,547
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,949
−HK$2,436/mo
Today · 4.125%
HK$94,385
baseline
▲ 0.50% · 4.625%
HK$99,360
+HK$4,975/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,770/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,491
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,710
−HK$3,270/mo
Today · 4.125%
HK$109,980
baseline
▲ 0.50% · 4.625%
HK$116,672
+HK$6,692/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,960/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,132
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,220
−HK$3,132/mo
Today · 4.125%
HK$121,352
baseline
▲ 0.50% · 4.625%
HK$127,749
+HK$6,397/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,704/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,602 · Scale 2, in force from 26 Feb 2026)