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$57,418
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,204
−HK$1,815/mo
Today · 4.125%
HK$61,019
baseline
▲ 0.50% · 4.625%
HK$64,732
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,038/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,877
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,590
−HK$1,738/mo
Today · 4.125%
HK$67,328
baseline
▲ 0.50% · 4.625%
HK$70,877
+HK$3,549/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,656/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,902
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,045
−HK$2,177/mo
Today · 4.125%
HK$73,222
baseline
▲ 0.50% · 4.625%
HK$77,678
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,444/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,652
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,708
−HK$2,086/mo
Today · 4.125%
HK$80,794
baseline
▲ 0.50% · 4.625%
HK$85,053
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,588/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,385
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,886
−HK$2,540/mo
Today · 4.125%
HK$85,426
baseline
▲ 0.50% · 4.625%
HK$90,624
+HK$5,198/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$170,852/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,428
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,826
−HK$2,433/mo
Today · 4.125%
HK$94,259
baseline
▲ 0.50% · 4.625%
HK$99,228
+HK$4,969/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$188,518/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,353
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,567
−HK$3,267/mo
Today · 4.125%
HK$109,834
baseline
▲ 0.50% · 4.625%
HK$116,517
+HK$6,683/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,668/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,979
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,062
−HK$3,129/mo
Today · 4.125%
HK$121,191
baseline
▲ 0.50% · 4.625%
HK$127,579
+HK$6,388/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,382/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,174 · Scale 2, in force from 26 Feb 2026)