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$57,492
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,280
−HK$1,817/mo
Today · 4.125%
HK$61,097
baseline
▲ 0.50% · 4.625%
HK$64,815
+HK$3,718/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,194/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,959
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,675
−HK$1,740/mo
Today · 4.125%
HK$67,415
baseline
▲ 0.50% · 4.625%
HK$70,968
+HK$3,553/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,830/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,990
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,136
−HK$2,181/mo
Today · 4.125%
HK$73,317
baseline
▲ 0.50% · 4.625%
HK$77,778
+HK$4,461/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$146,634/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,751
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,809
−HK$2,089/mo
Today · 4.125%
HK$80,898
baseline
▲ 0.50% · 4.625%
HK$85,162
+HK$4,264/mo
Deposit HK$10.09M · loan HK$15.13M · min. income ≈ HK$161,796/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,489
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,992
−HK$2,544/mo
Today · 4.125%
HK$85,536
baseline
▲ 0.50% · 4.625%
HK$90,741
+HK$5,205/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,072/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,543
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,944
−HK$2,437/mo
Today · 4.125%
HK$94,381
baseline
▲ 0.50% · 4.625%
HK$99,355
+HK$4,974/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,762/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,485
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$106,704
−HK$3,271/mo
Today · 4.125%
HK$109,975
baseline
▲ 0.50% · 4.625%
HK$116,667
+HK$6,692/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,950/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,126
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,214
−HK$3,132/mo
Today · 4.125%
HK$121,346
baseline
▲ 0.50% · 4.625%
HK$127,743
+HK$6,397/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,692/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,549 · Scale 2, in force from 26 Feb 2026)