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$57,766
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,563
−HK$1,826/mo
Today · 4.125%
HK$61,389
baseline
▲ 0.50% · 4.625%
HK$65,124
+HK$3,735/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,778/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,264
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,988
−HK$1,748/mo
Today · 4.125%
HK$67,736
baseline
▲ 0.50% · 4.625%
HK$71,307
+HK$3,571/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,472/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,076,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,319
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,476
−HK$2,190/mo
Today · 4.125%
HK$73,666
baseline
▲ 0.50% · 4.625%
HK$78,149
+HK$4,483/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$147,332/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,117
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,185
−HK$2,098/mo
Today · 4.125%
HK$81,283
baseline
▲ 0.50% · 4.625%
HK$85,568
+HK$4,285/mo
Deposit HK$10.13M · loan HK$15.20M · min. income ≈ HK$162,566/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,873
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,388
−HK$2,556/mo
Today · 4.125%
HK$85,944
baseline
▲ 0.50% · 4.625%
HK$91,173
+HK$5,229/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$171,888/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,970
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,383
−HK$2,448/mo
Today · 4.125%
HK$94,831
baseline
▲ 0.50% · 4.625%
HK$99,829
+HK$4,998/mo
Deposit HK$7.60M · loan HK$17.73M · min. income ≈ HK$189,662/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,979
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,213
−HK$3,286/mo
Today · 4.125%
HK$110,499
baseline
▲ 0.50% · 4.625%
HK$117,223
+HK$6,724/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$220,998/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,676
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,778
−HK$3,147/mo
Today · 4.125%
HK$121,925
baseline
▲ 0.50% · 4.625%
HK$128,352
+HK$6,427/mo
Deposit HK$2.53M · loan HK$22.80M · min. income ≈ HK$243,850/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,659 · Scale 2, in force from 26 Feb 2026)