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$57,407
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,193
−HK$1,814/mo
Today · 4.125%
HK$61,007
baseline
▲ 0.50% · 4.625%
HK$64,719
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,014/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,865
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,578
−HK$1,737/mo
Today · 4.125%
HK$67,315
baseline
▲ 0.50% · 4.625%
HK$70,863
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,630/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,888
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,031
−HK$2,177/mo
Today · 4.125%
HK$73,208
baseline
▲ 0.50% · 4.625%
HK$77,663
+HK$4,455/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,416/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,638
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,693
−HK$2,085/mo
Today · 4.125%
HK$80,778
baseline
▲ 0.50% · 4.625%
HK$85,036
+HK$4,258/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,556/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,370
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,870
−HK$2,540/mo
Today · 4.125%
HK$85,410
baseline
▲ 0.50% · 4.625%
HK$90,607
+HK$5,197/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,820/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,411
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,809
−HK$2,432/mo
Today · 4.125%
HK$94,241
baseline
▲ 0.50% · 4.625%
HK$99,209
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,482/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,333
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,547
−HK$3,266/mo
Today · 4.125%
HK$109,813
baseline
▲ 0.50% · 4.625%
HK$116,494
+HK$6,681/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,626/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,957
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,040
−HK$3,127/mo
Today · 4.125%
HK$121,167
baseline
▲ 0.50% · 4.625%
HK$127,554
+HK$6,387/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,334/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,967 · Scale 2, in force from 26 Feb 2026)