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$57,716
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,511
−HK$1,824/mo
Today · 4.125%
HK$61,335
baseline
▲ 0.50% · 4.625%
HK$65,067
+HK$3,732/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,670/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,208
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,930
−HK$1,747/mo
Today · 4.125%
HK$67,677
baseline
▲ 0.50% · 4.625%
HK$71,245
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,354/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,259
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,413
−HK$2,189/mo
Today · 4.125%
HK$73,602
baseline
▲ 0.50% · 4.625%
HK$78,081
+HK$4,479/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$147,204/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,050
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,116
−HK$2,097/mo
Today · 4.125%
HK$81,213
baseline
▲ 0.50% · 4.625%
HK$85,494
+HK$4,281/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$162,426/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,802
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,316
−HK$2,553/mo
Today · 4.125%
HK$85,869
baseline
▲ 0.50% · 4.625%
HK$91,094
+HK$5,225/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,738/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,892
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,303
−HK$2,445/mo
Today · 4.125%
HK$94,748
baseline
▲ 0.50% · 4.625%
HK$99,743
+HK$4,995/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,496/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,889
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,120
−HK$3,283/mo
Today · 4.125%
HK$110,403
baseline
▲ 0.50% · 4.625%
HK$117,121
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,806/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,575
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,675
−HK$3,144/mo
Today · 4.125%
HK$121,819
baseline
▲ 0.50% · 4.625%
HK$128,240
+HK$6,421/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,638/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,724 · Scale 2, in force from 26 Feb 2026)