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$57,520
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,309
−HK$1,818/mo
Today · 4.125%
HK$61,127
baseline
▲ 0.50% · 4.625%
HK$64,846
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,254/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,990
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,706
−HK$1,741/mo
Today · 4.125%
HK$67,447
baseline
▲ 0.50% · 4.625%
HK$71,003
+HK$3,556/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,894/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,072,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,024
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,171
−HK$2,181/mo
Today · 4.125%
HK$73,352
baseline
▲ 0.50% · 4.625%
HK$77,815
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,704/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,788
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,848
−HK$2,089/mo
Today · 4.125%
HK$80,937
baseline
▲ 0.50% · 4.625%
HK$85,203
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,874/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,528
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,032
−HK$2,545/mo
Today · 4.125%
HK$85,577
baseline
▲ 0.50% · 4.625%
HK$90,785
+HK$5,208/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,154/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,586
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,989
−HK$2,437/mo
Today · 4.125%
HK$94,426
baseline
▲ 0.50% · 4.625%
HK$99,404
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,852/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,536
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,756
−HK$3,272/mo
Today · 4.125%
HK$110,028
baseline
▲ 0.50% · 4.625%
HK$116,723
+HK$6,695/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,056/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,182
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,271
−HK$3,134/mo
Today · 4.125%
HK$121,405
baseline
▲ 0.50% · 4.625%
HK$127,805
+HK$6,400/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,810/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,068 · Scale 2, in force from 26 Feb 2026)