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$57,442
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,229
−HK$1,815/mo
Today · 4.125%
HK$61,044
baseline
▲ 0.50% · 4.625%
HK$64,758
+HK$3,714/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,088/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,903
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,617
−HK$1,739/mo
Today · 4.125%
HK$67,356
baseline
▲ 0.50% · 4.625%
HK$70,906
+HK$3,550/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,712/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,930
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,074
−HK$2,179/mo
Today · 4.125%
HK$73,253
baseline
▲ 0.50% · 4.625%
HK$77,710
+HK$4,457/mo
Deposit HK$10.08M · loan HK$15.11M · min. income ≈ HK$146,506/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,684
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,741
−HK$2,086/mo
Today · 4.125%
HK$80,827
baseline
▲ 0.50% · 4.625%
HK$85,088
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.11M · min. income ≈ HK$161,654/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,418
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,920
−HK$2,541/mo
Today · 4.125%
HK$85,461
baseline
▲ 0.50% · 4.625%
HK$90,662
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,922/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,465
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,864
−HK$2,434/mo
Today · 4.125%
HK$94,298
baseline
▲ 0.50% · 4.625%
HK$99,269
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,596/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,395
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,611
−HK$3,268/mo
Today · 4.125%
HK$109,879
baseline
▲ 0.50% · 4.625%
HK$116,565
+HK$6,686/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,758/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,026
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,111
−HK$3,130/mo
Today · 4.125%
HK$121,241
baseline
▲ 0.50% · 4.625%
HK$127,631
+HK$6,390/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,482/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,615 · Scale 2, in force from 26 Feb 2026)