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$57,441
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,228
−HK$1,815/mo
Today · 4.125%
HK$61,043
baseline
▲ 0.50% · 4.625%
HK$64,757
+HK$3,714/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,086/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,903
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,616
−HK$1,739/mo
Today · 4.125%
HK$67,355
baseline
▲ 0.50% · 4.625%
HK$70,905
+HK$3,550/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,710/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,929
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,073
−HK$2,179/mo
Today · 4.125%
HK$73,252
baseline
▲ 0.50% · 4.625%
HK$77,709
+HK$4,457/mo
Deposit HK$10.08M · loan HK$15.11M · min. income ≈ HK$146,504/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,683
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,740
−HK$2,086/mo
Today · 4.125%
HK$80,826
baseline
▲ 0.50% · 4.625%
HK$85,087
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.11M · min. income ≈ HK$161,652/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,417
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,919
−HK$2,541/mo
Today · 4.125%
HK$85,460
baseline
▲ 0.50% · 4.625%
HK$90,660
+HK$5,200/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,920/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,464
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,863
−HK$2,434/mo
Today · 4.125%
HK$94,297
baseline
▲ 0.50% · 4.625%
HK$99,268
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,594/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,394
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,610
−HK$3,268/mo
Today · 4.125%
HK$109,878
baseline
▲ 0.50% · 4.625%
HK$116,563
+HK$6,685/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,756/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,025
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,110
−HK$3,129/mo
Today · 4.125%
HK$121,239
baseline
▲ 0.50% · 4.625%
HK$127,630
+HK$6,391/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,478/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,601 · Scale 2, in force from 26 Feb 2026)