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$57,405
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,190
−HK$1,815/mo
Today · 4.125%
HK$61,005
baseline
▲ 0.50% · 4.625%
HK$64,717
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,010/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,862
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,575
−HK$1,738/mo
Today · 4.125%
HK$67,313
baseline
▲ 0.50% · 4.625%
HK$70,861
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,626/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,886
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,028
−HK$2,177/mo
Today · 4.125%
HK$73,205
baseline
▲ 0.50% · 4.625%
HK$77,660
+HK$4,455/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,410/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,635
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,690
−HK$2,085/mo
Today · 4.125%
HK$80,775
baseline
▲ 0.50% · 4.625%
HK$85,033
+HK$4,258/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,550/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,367
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,867
−HK$2,539/mo
Today · 4.125%
HK$85,406
baseline
▲ 0.50% · 4.625%
HK$90,603
+HK$5,197/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,812/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,407
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,805
−HK$2,433/mo
Today · 4.125%
HK$94,238
baseline
▲ 0.50% · 4.625%
HK$99,205
+HK$4,967/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,476/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,329
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,543
−HK$3,265/mo
Today · 4.125%
HK$109,808
baseline
▲ 0.50% · 4.625%
HK$116,490
+HK$6,682/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,616/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,952
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,035
−HK$3,128/mo
Today · 4.125%
HK$121,163
baseline
▲ 0.50% · 4.625%
HK$127,549
+HK$6,386/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,326/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,925 · Scale 2, in force from 26 Feb 2026)