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$57,470
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,258
−HK$1,816/mo
Today · 4.125%
HK$61,074
baseline
▲ 0.50% · 4.625%
HK$64,790
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,148/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,935
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,649
−HK$1,740/mo
Today · 4.125%
HK$67,389
baseline
▲ 0.50% · 4.625%
HK$70,941
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,778/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,964
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,109
−HK$2,180/mo
Today · 4.125%
HK$73,289
baseline
▲ 0.50% · 4.625%
HK$77,748
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,578/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,722
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,779
−HK$2,088/mo
Today · 4.125%
HK$80,867
baseline
▲ 0.50% · 4.625%
HK$85,129
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,734/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,458
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,961
−HK$2,542/mo
Today · 4.125%
HK$85,503
baseline
▲ 0.50% · 4.625%
HK$90,706
+HK$5,203/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$171,006/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,509
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,909
−HK$2,436/mo
Today · 4.125%
HK$94,345
baseline
▲ 0.50% · 4.625%
HK$99,318
+HK$4,973/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,690/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,446
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,664
−HK$3,269/mo
Today · 4.125%
HK$109,933
baseline
▲ 0.50% · 4.625%
HK$116,622
+HK$6,689/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,866/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,083
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,169
−HK$3,131/mo
Today · 4.125%
HK$121,300
baseline
▲ 0.50% · 4.625%
HK$127,694
+HK$6,394/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,600/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,141 · Scale 2, in force from 26 Feb 2026)