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$57,446
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,233
−HK$1,816/mo
Today · 4.125%
HK$61,049
baseline
▲ 0.50% · 4.625%
HK$64,763
+HK$3,714/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,098/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,908
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,622
−HK$1,739/mo
Today · 4.125%
HK$67,361
baseline
▲ 0.50% · 4.625%
HK$70,912
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,722/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,936
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,080
−HK$2,178/mo
Today · 4.125%
HK$73,258
baseline
▲ 0.50% · 4.625%
HK$77,716
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,516/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,690
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,747
−HK$2,086/mo
Today · 4.125%
HK$80,833
baseline
▲ 0.50% · 4.625%
HK$85,094
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,666/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,425
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,926
−HK$2,542/mo
Today · 4.125%
HK$85,468
baseline
▲ 0.50% · 4.625%
HK$90,669
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,936/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,472
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,871
−HK$2,435/mo
Today · 4.125%
HK$94,306
baseline
▲ 0.50% · 4.625%
HK$99,277
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,612/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,403
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,620
−HK$3,268/mo
Today · 4.125%
HK$109,888
baseline
▲ 0.50% · 4.625%
HK$116,574
+HK$6,686/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,776/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,035
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,120
−HK$3,130/mo
Today · 4.125%
HK$121,250
baseline
▲ 0.50% · 4.625%
HK$127,641
+HK$6,391/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,500/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,699 · Scale 2, in force from 26 Feb 2026)