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$57,562
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,352
−HK$1,819/mo
Today · 4.125%
HK$61,171
baseline
▲ 0.50% · 4.625%
HK$64,893
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,342/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,037
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,754
−HK$1,742/mo
Today · 4.125%
HK$67,496
baseline
▲ 0.50% · 4.625%
HK$71,054
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,992/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,074
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,222
−HK$2,183/mo
Today · 4.125%
HK$73,405
baseline
▲ 0.50% · 4.625%
HK$77,872
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,810/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,844
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,905
−HK$2,091/mo
Today · 4.125%
HK$80,996
baseline
▲ 0.50% · 4.625%
HK$85,265
+HK$4,269/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$161,992/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,586
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,093
−HK$2,547/mo
Today · 4.125%
HK$85,640
baseline
▲ 0.50% · 4.625%
HK$90,851
+HK$5,211/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,280/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,651
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,056
−HK$2,439/mo
Today · 4.125%
HK$94,495
baseline
▲ 0.50% · 4.625%
HK$99,476
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,990/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,611
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,834
−HK$3,274/mo
Today · 4.125%
HK$110,108
baseline
▲ 0.50% · 4.625%
HK$116,808
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,216/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,266
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,357
−HK$3,136/mo
Today · 4.125%
HK$121,493
baseline
▲ 0.50% · 4.625%
HK$127,898
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,986/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,848 · Scale 2, in force from 26 Feb 2026)