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$57,456
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,243
−HK$1,816/mo
Today · 4.125%
HK$61,059
baseline
▲ 0.50% · 4.625%
HK$64,774
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,118/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,919
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,633
−HK$1,739/mo
Today · 4.125%
HK$67,372
baseline
▲ 0.50% · 4.625%
HK$70,924
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,744/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,947
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,092
−HK$2,179/mo
Today · 4.125%
HK$73,271
baseline
▲ 0.50% · 4.625%
HK$77,729
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,542/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,703
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,760
−HK$2,087/mo
Today · 4.125%
HK$80,847
baseline
▲ 0.50% · 4.625%
HK$85,108
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,694/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,438
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,940
−HK$2,542/mo
Today · 4.125%
HK$85,482
baseline
▲ 0.50% · 4.625%
HK$90,684
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,964/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,487
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,887
−HK$2,434/mo
Today · 4.125%
HK$94,321
baseline
▲ 0.50% · 4.625%
HK$99,293
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,642/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,420
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,637
−HK$3,269/mo
Today · 4.125%
HK$109,906
baseline
▲ 0.50% · 4.625%
HK$116,593
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,812/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,054
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,140
−HK$3,130/mo
Today · 4.125%
HK$121,270
baseline
▲ 0.50% · 4.625%
HK$127,663
+HK$6,393/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,540/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,876 · Scale 2, in force from 26 Feb 2026)