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$57,477
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,264
−HK$1,817/mo
Today · 4.125%
HK$61,081
baseline
▲ 0.50% · 4.625%
HK$64,798
+HK$3,717/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,162/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,942
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,657
−HK$1,740/mo
Today · 4.125%
HK$67,397
baseline
▲ 0.50% · 4.625%
HK$70,949
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,794/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,972
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,117
−HK$2,180/mo
Today · 4.125%
HK$73,297
baseline
▲ 0.50% · 4.625%
HK$77,757
+HK$4,460/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,594/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,731
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,788
−HK$2,088/mo
Today · 4.125%
HK$80,876
baseline
▲ 0.50% · 4.625%
HK$85,139
+HK$4,263/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,752/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,467
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,970
−HK$2,543/mo
Today · 4.125%
HK$85,513
baseline
▲ 0.50% · 4.625%
HK$90,717
+HK$5,204/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$171,026/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,519
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,920
−HK$2,435/mo
Today · 4.125%
HK$94,355
baseline
▲ 0.50% · 4.625%
HK$99,329
+HK$4,974/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,710/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,458
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,676
−HK$3,270/mo
Today · 4.125%
HK$109,946
baseline
▲ 0.50% · 4.625%
HK$116,636
+HK$6,690/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,892/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,096
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,183
−HK$3,131/mo
Today · 4.125%
HK$121,314
baseline
▲ 0.50% · 4.625%
HK$127,709
+HK$6,395/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,628/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,264 · Scale 2, in force from 26 Feb 2026)