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$57,425
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,212
−HK$1,814/mo
Today · 4.125%
HK$61,026
baseline
▲ 0.50% · 4.625%
HK$64,740
+HK$3,714/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,052/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,885
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,598
−HK$1,739/mo
Today · 4.125%
HK$67,337
baseline
▲ 0.50% · 4.625%
HK$70,886
+HK$3,549/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,674/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,910
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,054
−HK$2,178/mo
Today · 4.125%
HK$73,232
baseline
▲ 0.50% · 4.625%
HK$77,688
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,464/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,662
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,718
−HK$2,086/mo
Today · 4.125%
HK$80,804
baseline
▲ 0.50% · 4.625%
HK$85,063
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,608/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,395
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,896
−HK$2,541/mo
Today · 4.125%
HK$85,437
baseline
▲ 0.50% · 4.625%
HK$90,636
+HK$5,199/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,874/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,439
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,838
−HK$2,433/mo
Today · 4.125%
HK$94,271
baseline
▲ 0.50% · 4.625%
HK$99,240
+HK$4,969/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,542/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,366
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,581
−HK$3,267/mo
Today · 4.125%
HK$109,848
baseline
▲ 0.50% · 4.625%
HK$116,532
+HK$6,684/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,696/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,993
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,077
−HK$3,129/mo
Today · 4.125%
HK$121,206
baseline
▲ 0.50% · 4.625%
HK$127,595
+HK$6,389/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,412/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,309 · Scale 2, in force from 26 Feb 2026)