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$57,493
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,281
−HK$1,817/mo
Today · 4.125%
HK$61,098
baseline
▲ 0.50% · 4.625%
HK$64,815
+HK$3,717/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,196/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,960
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,675
−HK$1,740/mo
Today · 4.125%
HK$67,415
baseline
▲ 0.50% · 4.625%
HK$70,969
+HK$3,554/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$1,071,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,991
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,137
−HK$2,180/mo
Today · 4.125%
HK$73,317
baseline
▲ 0.50% · 4.625%
HK$77,779
+HK$4,462/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$1,071,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,752
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,810
−HK$2,088/mo
Today · 4.125%
HK$80,898
baseline
▲ 0.50% · 4.625%
HK$85,163
+HK$4,265/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$1,071,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,490
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,993
−HK$2,544/mo
Today · 4.125%
HK$85,537
baseline
▲ 0.50% · 4.625%
HK$90,742
+HK$5,205/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,074/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,544
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,945
−HK$2,437/mo
Today · 4.125%
HK$94,382
baseline
▲ 0.50% · 4.625%
HK$99,357
+HK$4,975/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,764/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,071,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,487
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,706
−HK$3,270/mo
Today · 4.125%
HK$109,976
baseline
▲ 0.50% · 4.625%
HK$116,668
+HK$6,692/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,952/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,128
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,215
−HK$3,133/mo
Today · 4.125%
HK$121,348
baseline
▲ 0.50% · 4.625%
HK$127,744
+HK$6,396/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,696/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,561 · Scale 2, in force from 26 Feb 2026)