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$57,506
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,295
−HK$1,817/mo
Today · 4.125%
HK$61,112
baseline
▲ 0.50% · 4.625%
HK$64,831
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,224/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,975
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,691
−HK$1,740/mo
Today · 4.125%
HK$67,431
baseline
▲ 0.50% · 4.625%
HK$70,986
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,862/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,007
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,154
−HK$2,181/mo
Today · 4.125%
HK$73,335
baseline
▲ 0.50% · 4.625%
HK$77,797
+HK$4,462/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,670/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,770
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,829
−HK$2,089/mo
Today · 4.125%
HK$80,918
baseline
▲ 0.50% · 4.625%
HK$85,183
+HK$4,265/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,836/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,509
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,013
−HK$2,544/mo
Today · 4.125%
HK$85,557
baseline
▲ 0.50% · 4.625%
HK$90,763
+HK$5,206/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$171,114/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,565
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,967
−HK$2,437/mo
Today · 4.125%
HK$94,404
baseline
▲ 0.50% · 4.625%
HK$99,380
+HK$4,976/mo
Deposit HK$7.57M · loan HK$17.65M · min. income ≈ HK$188,808/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,511
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,731
−HK$3,271/mo
Today · 4.125%
HK$110,002
baseline
▲ 0.50% · 4.625%
HK$116,695
+HK$6,693/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,004/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,155
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,243
−HK$3,133/mo
Today · 4.125%
HK$121,376
baseline
▲ 0.50% · 4.625%
HK$127,774
+HK$6,398/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,752/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,814 · Scale 2, in force from 26 Feb 2026)