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$57,447
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,234
−HK$1,816/mo
Today · 4.125%
HK$61,050
baseline
▲ 0.50% · 4.625%
HK$64,764
+HK$3,714/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,100/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,909
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,623
−HK$1,739/mo
Today · 4.125%
HK$67,362
baseline
▲ 0.50% · 4.625%
HK$70,913
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,724/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,937
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,081
−HK$2,179/mo
Today · 4.125%
HK$73,260
baseline
▲ 0.50% · 4.625%
HK$77,717
+HK$4,457/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,520/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,691
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,748
−HK$2,087/mo
Today · 4.125%
HK$80,835
baseline
▲ 0.50% · 4.625%
HK$85,096
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,670/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,426
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,928
−HK$2,542/mo
Today · 4.125%
HK$85,470
baseline
▲ 0.50% · 4.625%
HK$90,670
+HK$5,200/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,940/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,473
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,873
−HK$2,434/mo
Today · 4.125%
HK$94,307
baseline
▲ 0.50% · 4.625%
HK$99,278
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,614/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,405
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,622
−HK$3,267/mo
Today · 4.125%
HK$109,889
baseline
▲ 0.50% · 4.625%
HK$116,576
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,778/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,037
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,122
−HK$3,130/mo
Today · 4.125%
HK$121,252
baseline
▲ 0.50% · 4.625%
HK$127,644
+HK$6,392/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,504/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,717 · Scale 2, in force from 26 Feb 2026)