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$57,406
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,192
−HK$1,814/mo
Today · 4.125%
HK$61,006
baseline
▲ 0.50% · 4.625%
HK$64,718
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,012/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,864
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,577
−HK$1,738/mo
Today · 4.125%
HK$67,315
baseline
▲ 0.50% · 4.625%
HK$70,863
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,630/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,888
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,031
−HK$2,177/mo
Today · 4.125%
HK$73,208
baseline
▲ 0.50% · 4.625%
HK$77,662
+HK$4,454/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,416/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,637
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,692
−HK$2,085/mo
Today · 4.125%
HK$80,777
baseline
▲ 0.50% · 4.625%
HK$85,035
+HK$4,258/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,554/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,369
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,869
−HK$2,540/mo
Today · 4.125%
HK$85,409
baseline
▲ 0.50% · 4.625%
HK$90,606
+HK$5,197/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,818/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,410
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,808
−HK$2,432/mo
Today · 4.125%
HK$94,240
baseline
▲ 0.50% · 4.625%
HK$99,208
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,480/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,332
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,546
−HK$3,265/mo
Today · 4.125%
HK$109,811
baseline
▲ 0.50% · 4.625%
HK$116,493
+HK$6,682/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,622/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,955
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,038
−HK$3,128/mo
Today · 4.125%
HK$121,166
baseline
▲ 0.50% · 4.625%
HK$127,553
+HK$6,387/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,332/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,957 · Scale 2, in force from 26 Feb 2026)