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$57,429
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,215
−HK$1,815/mo
Today · 4.125%
HK$61,030
baseline
▲ 0.50% · 4.625%
HK$64,744
+HK$3,714/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,060/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,889
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,602
−HK$1,739/mo
Today · 4.125%
HK$67,341
baseline
▲ 0.50% · 4.625%
HK$70,890
+HK$3,549/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,682/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,914
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,058
−HK$2,178/mo
Today · 4.125%
HK$73,236
baseline
▲ 0.50% · 4.625%
HK$77,692
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,472/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,667
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,723
−HK$2,086/mo
Today · 4.125%
HK$80,809
baseline
▲ 0.50% · 4.625%
HK$85,068
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,618/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,400
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,901
−HK$2,541/mo
Today · 4.125%
HK$85,442
baseline
▲ 0.50% · 4.625%
HK$90,641
+HK$5,199/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,884/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,444
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,843
−HK$2,434/mo
Today · 4.125%
HK$94,277
baseline
▲ 0.50% · 4.625%
HK$99,246
+HK$4,969/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,554/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,372
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,587
−HK$3,267/mo
Today · 4.125%
HK$109,854
baseline
▲ 0.50% · 4.625%
HK$116,538
+HK$6,684/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,708/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,000
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,084
−HK$3,129/mo
Today · 4.125%
HK$121,213
baseline
▲ 0.50% · 4.625%
HK$127,602
+HK$6,389/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,426/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,371 · Scale 2, in force from 26 Feb 2026)