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$57,505
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,294
−HK$1,817/mo
Today · 4.125%
HK$61,111
baseline
▲ 0.50% · 4.625%
HK$64,829
+HK$3,718/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,222/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,974
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,689
−HK$1,741/mo
Today · 4.125%
HK$67,430
baseline
▲ 0.50% · 4.625%
HK$70,984
+HK$3,554/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,860/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,006
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,152
−HK$2,181/mo
Today · 4.125%
HK$73,333
baseline
▲ 0.50% · 4.625%
HK$77,795
+HK$4,462/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,666/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,768
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,827
−HK$2,089/mo
Today · 4.125%
HK$80,916
baseline
▲ 0.50% · 4.625%
HK$85,181
+HK$4,265/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,832/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,507
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,011
−HK$2,544/mo
Today · 4.125%
HK$85,555
baseline
▲ 0.50% · 4.625%
HK$90,761
+HK$5,206/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$171,110/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,563
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,965
−HK$2,437/mo
Today · 4.125%
HK$94,402
baseline
▲ 0.50% · 4.625%
HK$99,378
+HK$4,976/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$188,804/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,509
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,729
−HK$3,271/mo
Today · 4.125%
HK$110,000
baseline
▲ 0.50% · 4.625%
HK$116,693
+HK$6,693/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,000/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,153
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,241
−HK$3,133/mo
Today · 4.125%
HK$121,374
baseline
▲ 0.50% · 4.625%
HK$127,772
+HK$6,398/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,748/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,792 · Scale 2, in force from 26 Feb 2026)