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$57,572
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,363
−HK$1,820/mo
Today · 4.125%
HK$61,183
baseline
▲ 0.50% · 4.625%
HK$64,905
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,366/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,049
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,766
−HK$1,743/mo
Today · 4.125%
HK$67,509
baseline
▲ 0.50% · 4.625%
HK$71,067
+HK$3,558/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$135,018/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,087
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,236
−HK$2,183/mo
Today · 4.125%
HK$73,419
baseline
▲ 0.50% · 4.625%
HK$77,887
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,838/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,858
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,920
−HK$2,091/mo
Today · 4.125%
HK$81,011
baseline
▲ 0.50% · 4.625%
HK$85,281
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,022/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,601
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,108
−HK$2,548/mo
Today · 4.125%
HK$85,656
baseline
▲ 0.50% · 4.625%
HK$90,868
+HK$5,212/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,312/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,668
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,073
−HK$2,440/mo
Today · 4.125%
HK$94,513
baseline
▲ 0.50% · 4.625%
HK$99,494
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$189,026/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,630
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,854
−HK$3,275/mo
Today · 4.125%
HK$110,129
baseline
▲ 0.50% · 4.625%
HK$116,830
+HK$6,701/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,258/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,288
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,379
−HK$3,137/mo
Today · 4.125%
HK$121,516
baseline
▲ 0.50% · 4.625%
HK$127,921
+HK$6,405/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$243,032/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,048 · Scale 2, in force from 26 Feb 2026)