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$57,453
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,240
−HK$1,816/mo
Today · 4.125%
HK$61,056
baseline
▲ 0.50% · 4.625%
HK$64,771
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,112/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,916
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,630
−HK$1,739/mo
Today · 4.125%
HK$67,369
baseline
▲ 0.50% · 4.625%
HK$70,921
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,738/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,944
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,089
−HK$2,178/mo
Today · 4.125%
HK$73,267
baseline
▲ 0.50% · 4.625%
HK$77,726
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,534/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,699
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,757
−HK$2,086/mo
Today · 4.125%
HK$80,843
baseline
▲ 0.50% · 4.625%
HK$85,105
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,686/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,435
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,937
−HK$2,542/mo
Today · 4.125%
HK$85,479
baseline
▲ 0.50% · 4.625%
HK$90,680
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,958/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,483
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,883
−HK$2,434/mo
Today · 4.125%
HK$94,317
baseline
▲ 0.50% · 4.625%
HK$99,289
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,634/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,416
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,633
−HK$3,268/mo
Today · 4.125%
HK$109,901
baseline
▲ 0.50% · 4.625%
HK$116,588
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,802/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,049
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,135
−HK$3,130/mo
Today · 4.125%
HK$121,265
baseline
▲ 0.50% · 4.625%
HK$127,657
+HK$6,392/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,530/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,830 · Scale 2, in force from 26 Feb 2026)