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$57,618
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,410
−HK$1,821/mo
Today · 4.125%
HK$61,231
baseline
▲ 0.50% · 4.625%
HK$64,957
+HK$3,726/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,462/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,099
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,818
−HK$1,744/mo
Today · 4.125%
HK$67,562
baseline
▲ 0.50% · 4.625%
HK$71,124
+HK$3,562/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,124/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,141
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,292
−HK$2,185/mo
Today · 4.125%
HK$73,477
baseline
▲ 0.50% · 4.625%
HK$77,948
+HK$4,471/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,954/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,919
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,982
−HK$2,093/mo
Today · 4.125%
HK$81,075
baseline
▲ 0.50% · 4.625%
HK$85,348
+HK$4,273/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,150/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,665
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,174
−HK$2,549/mo
Today · 4.125%
HK$85,723
baseline
▲ 0.50% · 4.625%
HK$90,939
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,446/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,739
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,146
−HK$2,441/mo
Today · 4.125%
HK$94,587
baseline
▲ 0.50% · 4.625%
HK$99,573
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,174/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,712
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,938
−HK$3,278/mo
Today · 4.125%
HK$110,216
baseline
▲ 0.50% · 4.625%
HK$116,922
+HK$6,706/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,432/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,379
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,473
−HK$3,139/mo
Today · 4.125%
HK$121,612
baseline
▲ 0.50% · 4.625%
HK$128,022
+HK$6,410/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,224/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,895 · Scale 2, in force from 26 Feb 2026)