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$57,462
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,250
−HK$1,816/mo
Today · 4.125%
HK$61,066
baseline
▲ 0.50% · 4.625%
HK$64,781
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,132/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,926
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,641
−HK$1,739/mo
Today · 4.125%
HK$67,380
baseline
▲ 0.50% · 4.625%
HK$70,932
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,760/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,955
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,100
−HK$2,179/mo
Today · 4.125%
HK$73,279
baseline
▲ 0.50% · 4.625%
HK$77,738
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,558/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,711
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,769
−HK$2,087/mo
Today · 4.125%
HK$80,856
baseline
▲ 0.50% · 4.625%
HK$85,118
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,712/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,447
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,949
−HK$2,543/mo
Today · 4.125%
HK$85,492
baseline
▲ 0.50% · 4.625%
HK$90,694
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,984/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,497
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,897
−HK$2,435/mo
Today · 4.125%
HK$94,332
baseline
▲ 0.50% · 4.625%
HK$99,304
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,664/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,432
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,649
−HK$3,269/mo
Today · 4.125%
HK$109,918
baseline
▲ 0.50% · 4.625%
HK$116,606
+HK$6,688/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,836/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,067
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,153
−HK$3,131/mo
Today · 4.125%
HK$121,284
baseline
▲ 0.50% · 4.625%
HK$127,677
+HK$6,393/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,568/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,995 · Scale 2, in force from 26 Feb 2026)