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$57,770
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,567
−HK$1,826/mo
Today · 4.125%
HK$61,393
baseline
▲ 0.50% · 4.625%
HK$65,128
+HK$3,735/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,786/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,269
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,992
−HK$1,749/mo
Today · 4.125%
HK$67,741
baseline
▲ 0.50% · 4.625%
HK$71,312
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,482/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,324
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,481
−HK$2,190/mo
Today · 4.125%
HK$73,671
baseline
▲ 0.50% · 4.625%
HK$78,154
+HK$4,483/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,342/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,122
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,191
−HK$2,098/mo
Today · 4.125%
HK$81,289
baseline
▲ 0.50% · 4.625%
HK$85,574
+HK$4,285/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,578/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,878
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,394
−HK$2,556/mo
Today · 4.125%
HK$85,950
baseline
▲ 0.50% · 4.625%
HK$91,180
+HK$5,230/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,900/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,976
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,389
−HK$2,448/mo
Today · 4.125%
HK$94,837
baseline
▲ 0.50% · 4.625%
HK$99,836
+HK$4,999/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,674/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,986
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,221
−HK$3,286/mo
Today · 4.125%
HK$110,507
baseline
▲ 0.50% · 4.625%
HK$117,231
+HK$6,724/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$221,014/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,684
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,786
−HK$3,148/mo
Today · 4.125%
HK$121,934
baseline
▲ 0.50% · 4.625%
HK$128,361
+HK$6,427/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,868/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,735 · Scale 2, in force from 26 Feb 2026)