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$57,763
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,560
−HK$1,825/mo
Today · 4.125%
HK$61,385
baseline
▲ 0.50% · 4.625%
HK$65,120
+HK$3,735/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,770/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,261
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,984
−HK$1,748/mo
Today · 4.125%
HK$67,732
baseline
▲ 0.50% · 4.625%
HK$71,303
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,464/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,315
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,472
−HK$2,190/mo
Today · 4.125%
HK$73,662
baseline
▲ 0.50% · 4.625%
HK$78,144
+HK$4,482/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,324/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,113
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,181
−HK$2,098/mo
Today · 4.125%
HK$81,279
baseline
▲ 0.50% · 4.625%
HK$85,563
+HK$4,284/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,558/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,868
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,383
−HK$2,556/mo
Today · 4.125%
HK$85,939
baseline
▲ 0.50% · 4.625%
HK$91,168
+HK$5,229/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,878/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,965
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,378
−HK$2,447/mo
Today · 4.125%
HK$94,825
baseline
▲ 0.50% · 4.625%
HK$99,824
+HK$4,999/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,650/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,973
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,207
−HK$3,286/mo
Today · 4.125%
HK$110,493
baseline
▲ 0.50% · 4.625%
HK$117,216
+HK$6,723/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$220,986/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,669
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,771
−HK$3,147/mo
Today · 4.125%
HK$121,918
baseline
▲ 0.50% · 4.625%
HK$128,345
+HK$6,427/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,836/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,600 · Scale 2, in force from 26 Feb 2026)