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$57,424
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,210
−HK$1,815/mo
Today · 4.125%
HK$61,025
baseline
▲ 0.50% · 4.625%
HK$64,738
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,050/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,884
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,597
−HK$1,738/mo
Today · 4.125%
HK$67,335
baseline
▲ 0.50% · 4.625%
HK$70,885
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,670/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,909
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,052
−HK$2,178/mo
Today · 4.125%
HK$73,230
baseline
▲ 0.50% · 4.625%
HK$77,686
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,460/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,661
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,717
−HK$2,085/mo
Today · 4.125%
HK$80,802
baseline
▲ 0.50% · 4.625%
HK$85,061
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,604/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,394
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,895
−HK$2,540/mo
Today · 4.125%
HK$85,435
baseline
▲ 0.50% · 4.625%
HK$90,634
+HK$5,199/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$170,870/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,437
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,836
−HK$2,433/mo
Today · 4.125%
HK$94,269
baseline
▲ 0.50% · 4.625%
HK$99,238
+HK$4,969/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$188,538/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,363
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,579
−HK$3,266/mo
Today · 4.125%
HK$109,845
baseline
▲ 0.50% · 4.625%
HK$116,529
+HK$6,684/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,690/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,991
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,075
−HK$3,128/mo
Today · 4.125%
HK$121,203
baseline
▲ 0.50% · 4.625%
HK$127,592
+HK$6,389/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,406/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,286 · Scale 2, in force from 26 Feb 2026)