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$57,479
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,267
−HK$1,816/mo
Today · 4.125%
HK$61,083
baseline
▲ 0.50% · 4.625%
HK$64,800
+HK$3,717/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,166/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,945
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,660
−HK$1,740/mo
Today · 4.125%
HK$67,400
baseline
▲ 0.50% · 4.625%
HK$70,952
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,800/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,975
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,120
−HK$2,180/mo
Today · 4.125%
HK$73,300
baseline
▲ 0.50% · 4.625%
HK$77,760
+HK$4,460/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,600/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,734
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,792
−HK$2,088/mo
Today · 4.125%
HK$80,880
baseline
▲ 0.50% · 4.625%
HK$85,143
+HK$4,263/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,760/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,471
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,974
−HK$2,543/mo
Today · 4.125%
HK$85,517
baseline
▲ 0.50% · 4.625%
HK$90,720
+HK$5,203/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,034/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,523
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,924
−HK$2,435/mo
Today · 4.125%
HK$94,359
baseline
▲ 0.50% · 4.625%
HK$99,333
+HK$4,974/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,718/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,462
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,681
−HK$3,269/mo
Today · 4.125%
HK$109,950
baseline
▲ 0.50% · 4.625%
HK$116,640
+HK$6,690/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,900/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,101
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,188
−HK$3,131/mo
Today · 4.125%
HK$121,319
baseline
▲ 0.50% · 4.625%
HK$127,714
+HK$6,395/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,638/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,309 · Scale 2, in force from 26 Feb 2026)