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$57,780
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,577
−HK$1,826/mo
Today · 4.125%
HK$61,403
baseline
▲ 0.50% · 4.625%
HK$65,139
+HK$3,736/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,806/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,279
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,003
−HK$1,749/mo
Today · 4.125%
HK$67,752
baseline
▲ 0.50% · 4.625%
HK$71,323
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,504/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,335
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,492
−HK$2,191/mo
Today · 4.125%
HK$73,683
baseline
▲ 0.50% · 4.625%
HK$78,167
+HK$4,484/mo
Deposit HK$10.14M · loan HK$15.20M · min. income ≈ HK$147,366/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,135
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,204
−HK$2,098/mo
Today · 4.125%
HK$81,302
baseline
▲ 0.50% · 4.625%
HK$85,588
+HK$4,286/mo
Deposit HK$10.14M · loan HK$15.20M · min. income ≈ HK$162,604/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,891
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,408
−HK$2,556/mo
Today · 4.125%
HK$85,964
baseline
▲ 0.50% · 4.625%
HK$91,195
+HK$5,231/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,928/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,991
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,404
−HK$2,449/mo
Today · 4.125%
HK$94,853
baseline
▲ 0.50% · 4.625%
HK$99,853
+HK$5,000/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,706/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,003
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,238
−HK$3,287/mo
Today · 4.125%
HK$110,525
baseline
▲ 0.50% · 4.625%
HK$117,250
+HK$6,725/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,050/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,702
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,806
−HK$3,148/mo
Today · 4.125%
HK$121,954
baseline
▲ 0.50% · 4.625%
HK$128,382
+HK$6,428/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,908/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,910 · Scale 2, in force from 26 Feb 2026)