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$57,753
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,550
−HK$1,825/mo
Today · 4.125%
HK$61,375
baseline
▲ 0.50% · 4.625%
HK$65,109
+HK$3,734/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,750/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,250
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,973
−HK$1,748/mo
Today · 4.125%
HK$67,721
baseline
▲ 0.50% · 4.625%
HK$71,291
+HK$3,570/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,442/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,304
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,460
−HK$2,190/mo
Today · 4.125%
HK$73,650
baseline
▲ 0.50% · 4.625%
HK$78,131
+HK$4,481/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,300/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,100
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,168
−HK$2,097/mo
Today · 4.125%
HK$81,265
baseline
▲ 0.50% · 4.625%
HK$85,549
+HK$4,284/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,530/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,855
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,370
−HK$2,555/mo
Today · 4.125%
HK$85,925
baseline
▲ 0.50% · 4.625%
HK$91,153
+HK$5,228/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,850/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,950
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,362
−HK$2,448/mo
Today · 4.125%
HK$94,810
baseline
▲ 0.50% · 4.625%
HK$99,807
+HK$4,997/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,620/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,076,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,956
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,189
−HK$3,286/mo
Today · 4.125%
HK$110,475
baseline
▲ 0.50% · 4.625%
HK$117,197
+HK$6,722/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$220,950/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,650
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,751
−HK$3,147/mo
Today · 4.125%
HK$121,898
baseline
▲ 0.50% · 4.625%
HK$128,323
+HK$6,425/mo
Deposit HK$2.53M · loan HK$22.79M · min. income ≈ HK$243,796/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,420 · Scale 2, in force from 26 Feb 2026)