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$57,578
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,369
−HK$1,820/mo
Today · 4.125%
HK$61,189
baseline
▲ 0.50% · 4.625%
HK$64,912
+HK$3,723/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,378/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,055
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,773
−HK$1,743/mo
Today · 4.125%
HK$67,516
baseline
▲ 0.50% · 4.625%
HK$71,075
+HK$3,559/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,032/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,073,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,094
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,243
−HK$2,184/mo
Today · 4.125%
HK$73,427
baseline
▲ 0.50% · 4.625%
HK$77,895
+HK$4,468/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$146,854/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,866
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,928
−HK$2,091/mo
Today · 4.125%
HK$81,019
baseline
▲ 0.50% · 4.625%
HK$85,290
+HK$4,271/mo
Deposit HK$10.10M · loan HK$15.15M · min. income ≈ HK$162,038/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,073,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,610
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,117
−HK$2,548/mo
Today · 4.125%
HK$85,665
baseline
▲ 0.50% · 4.625%
HK$90,877
+HK$5,212/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,330/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,677
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,083
−HK$2,439/mo
Today · 4.125%
HK$94,522
baseline
▲ 0.50% · 4.625%
HK$99,505
+HK$4,983/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,044/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,641
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,865
−HK$3,275/mo
Today · 4.125%
HK$110,140
baseline
▲ 0.50% · 4.625%
HK$116,842
+HK$6,702/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$220,280/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,300
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,392
−HK$3,137/mo
Today · 4.125%
HK$121,529
baseline
▲ 0.50% · 4.625%
HK$127,935
+HK$6,406/mo
Deposit HK$2.53M · loan HK$22.73M · min. income ≈ HK$243,058/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,160 · Scale 2, in force from 26 Feb 2026)