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$57,560
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,350
−HK$1,820/mo
Today · 4.125%
HK$61,170
baseline
▲ 0.50% · 4.625%
HK$64,892
+HK$3,722/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$122,340/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,035
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,752
−HK$1,743/mo
Today · 4.125%
HK$67,495
baseline
▲ 0.50% · 4.625%
HK$71,052
+HK$3,557/mo
Deposit HK$12.62M · loan HK$12.62M · min. income ≈ HK$134,990/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,072
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,221
−HK$2,182/mo
Today · 4.125%
HK$73,403
baseline
▲ 0.50% · 4.625%
HK$77,870
+HK$4,467/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,806/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,842
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,903
−HK$2,090/mo
Today · 4.125%
HK$80,993
baseline
▲ 0.50% · 4.625%
HK$85,263
+HK$4,270/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$161,986/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,072,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,584
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,091
−HK$2,546/mo
Today · 4.125%
HK$85,637
baseline
▲ 0.50% · 4.625%
HK$90,848
+HK$5,211/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$171,274/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,649
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,053
−HK$2,439/mo
Today · 4.125%
HK$94,492
baseline
▲ 0.50% · 4.625%
HK$99,473
+HK$4,981/mo
Deposit HK$7.57M · loan HK$17.67M · min. income ≈ HK$188,984/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,072,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,608
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,831
−HK$3,274/mo
Today · 4.125%
HK$110,105
baseline
▲ 0.50% · 4.625%
HK$116,805
+HK$6,700/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$220,210/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,263
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,354
−HK$3,136/mo
Today · 4.125%
HK$121,490
baseline
▲ 0.50% · 4.625%
HK$127,894
+HK$6,404/mo
Deposit HK$2.52M · loan HK$22.72M · min. income ≈ HK$242,980/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,072,818 · Scale 2, in force from 26 Feb 2026)