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$57,432
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,218
−HK$1,815/mo
Today · 4.125%
HK$61,033
baseline
▲ 0.50% · 4.625%
HK$64,747
+HK$3,714/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,066/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,892
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,606
−HK$1,738/mo
Today · 4.125%
HK$67,344
baseline
▲ 0.50% · 4.625%
HK$70,894
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,688/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,918
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,062
−HK$2,178/mo
Today · 4.125%
HK$73,240
baseline
▲ 0.50% · 4.625%
HK$77,696
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,480/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,671
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,727
−HK$2,086/mo
Today · 4.125%
HK$80,813
baseline
▲ 0.50% · 4.625%
HK$85,073
+HK$4,260/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,626/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,404
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,905
−HK$2,541/mo
Today · 4.125%
HK$85,446
baseline
▲ 0.50% · 4.625%
HK$90,646
+HK$5,200/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,892/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,449
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,848
−HK$2,434/mo
Today · 4.125%
HK$94,282
baseline
▲ 0.50% · 4.625%
HK$99,251
+HK$4,969/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,564/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,377
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$106,593
−HK$3,267/mo
Today · 4.125%
HK$109,860
baseline
▲ 0.50% · 4.625%
HK$116,544
+HK$6,684/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,720/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,006
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,090
−HK$3,129/mo
Today · 4.125%
HK$121,219
baseline
▲ 0.50% · 4.625%
HK$127,609
+HK$6,390/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,438/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,426 · Scale 2, in force from 26 Feb 2026)