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$57,438
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,224
−HK$1,815/mo
Today · 4.125%
HK$61,039
baseline
▲ 0.50% · 4.625%
HK$64,754
+HK$3,715/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,078/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,899
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,613
−HK$1,738/mo
Today · 4.125%
HK$67,351
baseline
▲ 0.50% · 4.625%
HK$70,901
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,702/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,925
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,069
−HK$2,178/mo
Today · 4.125%
HK$73,247
baseline
▲ 0.50% · 4.625%
HK$77,704
+HK$4,457/mo
Deposit HK$10.08M · loan HK$15.11M · min. income ≈ HK$146,494/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,679
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,735
−HK$2,086/mo
Today · 4.125%
HK$80,821
baseline
▲ 0.50% · 4.625%
HK$85,081
+HK$4,260/mo
Deposit HK$10.08M · loan HK$15.11M · min. income ≈ HK$161,642/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,413
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,914
−HK$2,541/mo
Today · 4.125%
HK$85,455
baseline
▲ 0.50% · 4.625%
HK$90,655
+HK$5,200/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,910/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,458
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,858
−HK$2,433/mo
Today · 4.125%
HK$94,291
baseline
▲ 0.50% · 4.625%
HK$99,262
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,582/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,388
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$106,604
−HK$3,267/mo
Today · 4.125%
HK$109,871
baseline
▲ 0.50% · 4.625%
HK$116,556
+HK$6,685/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,742/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,018
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,103
−HK$3,129/mo
Today · 4.125%
HK$121,232
baseline
▲ 0.50% · 4.625%
HK$127,622
+HK$6,390/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,464/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,538 · Scale 2, in force from 26 Feb 2026)