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$57,460
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,247
−HK$1,816/mo
Today · 4.125%
HK$61,063
baseline
▲ 0.50% · 4.625%
HK$64,779
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,126/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,923
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,638
−HK$1,739/mo
Today · 4.125%
HK$67,377
baseline
▲ 0.50% · 4.625%
HK$70,929
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,754/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,952
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,097
−HK$2,179/mo
Today · 4.125%
HK$73,276
baseline
▲ 0.50% · 4.625%
HK$77,734
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,552/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,708
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,765
−HK$2,087/mo
Today · 4.125%
HK$80,852
baseline
▲ 0.50% · 4.625%
HK$85,114
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,704/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,444
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,946
−HK$2,542/mo
Today · 4.125%
HK$85,488
baseline
▲ 0.50% · 4.625%
HK$90,690
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,976/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,493
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,893
−HK$2,435/mo
Today · 4.125%
HK$94,328
baseline
▲ 0.50% · 4.625%
HK$99,300
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,656/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,428
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,645
−HK$3,268/mo
Today · 4.125%
HK$109,913
baseline
▲ 0.50% · 4.625%
HK$116,601
+HK$6,688/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,826/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,062
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,148
−HK$3,131/mo
Today · 4.125%
HK$121,279
baseline
▲ 0.50% · 4.625%
HK$127,671
+HK$6,392/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,558/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,950 · Scale 2, in force from 26 Feb 2026)