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$57,606
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,397
−HK$1,821/mo
Today · 4.125%
HK$61,218
baseline
▲ 0.50% · 4.625%
HK$64,943
+HK$3,725/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,436/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,086
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,804
−HK$1,744/mo
Today · 4.125%
HK$67,548
baseline
▲ 0.50% · 4.625%
HK$71,109
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,096/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,127
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,277
−HK$2,185/mo
Today · 4.125%
HK$73,462
baseline
▲ 0.50% · 4.625%
HK$77,931
+HK$4,469/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,924/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,903
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,965
−HK$2,093/mo
Today · 4.125%
HK$81,058
baseline
▲ 0.50% · 4.625%
HK$85,330
+HK$4,272/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,116/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,648
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,156
−HK$2,549/mo
Today · 4.125%
HK$85,705
baseline
▲ 0.50% · 4.625%
HK$90,920
+HK$5,215/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$171,410/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,720
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,126
−HK$2,441/mo
Today · 4.125%
HK$94,567
baseline
▲ 0.50% · 4.625%
HK$99,552
+HK$4,985/mo
Deposit HK$7.58M · loan HK$17.68M · min. income ≈ HK$189,134/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,690
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$106,915
−HK$3,277/mo
Today · 4.125%
HK$110,192
baseline
▲ 0.50% · 4.625%
HK$116,897
+HK$6,705/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,384/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,354
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,448
−HK$3,138/mo
Today · 4.125%
HK$121,586
baseline
▲ 0.50% · 4.625%
HK$127,995
+HK$6,409/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,172/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,668 · Scale 2, in force from 26 Feb 2026)