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$57,615
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,407
−HK$1,821/mo
Today · 4.125%
HK$61,228
baseline
▲ 0.50% · 4.625%
HK$64,954
+HK$3,726/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,456/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,096
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,815
−HK$1,744/mo
Today · 4.125%
HK$67,559
baseline
▲ 0.50% · 4.625%
HK$71,120
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,118/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,138
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,289
−HK$2,185/mo
Today · 4.125%
HK$73,474
baseline
▲ 0.50% · 4.625%
HK$77,944
+HK$4,470/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,948/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,915
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,978
−HK$2,093/mo
Today · 4.125%
HK$81,071
baseline
▲ 0.50% · 4.625%
HK$85,344
+HK$4,273/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,142/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,661
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,170
−HK$2,549/mo
Today · 4.125%
HK$85,719
baseline
▲ 0.50% · 4.625%
HK$90,935
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,438/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,735
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,141
−HK$2,442/mo
Today · 4.125%
HK$94,583
baseline
▲ 0.50% · 4.625%
HK$99,568
+HK$4,985/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,166/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,707
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,933
−HK$3,278/mo
Today · 4.125%
HK$110,211
baseline
▲ 0.50% · 4.625%
HK$116,917
+HK$6,706/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,422/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,373
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,467
−HK$3,139/mo
Today · 4.125%
HK$121,606
baseline
▲ 0.50% · 4.625%
HK$128,016
+HK$6,410/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,212/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,845 · Scale 2, in force from 26 Feb 2026)