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$57,451
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,238
−HK$1,815/mo
Today · 4.125%
HK$61,053
baseline
▲ 0.50% · 4.625%
HK$64,768
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,106/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,913
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,627
−HK$1,739/mo
Today · 4.125%
HK$67,366
baseline
▲ 0.50% · 4.625%
HK$70,917
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,732/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,941
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,085
−HK$2,179/mo
Today · 4.125%
HK$73,264
baseline
▲ 0.50% · 4.625%
HK$77,722
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,528/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,696
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,753
−HK$2,087/mo
Today · 4.125%
HK$80,840
baseline
▲ 0.50% · 4.625%
HK$85,101
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,680/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,431
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,933
−HK$2,542/mo
Today · 4.125%
HK$85,475
baseline
▲ 0.50% · 4.625%
HK$90,676
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,950/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,479
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,878
−HK$2,435/mo
Today · 4.125%
HK$94,313
baseline
▲ 0.50% · 4.625%
HK$99,284
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,626/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,411
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,628
−HK$3,268/mo
Today · 4.125%
HK$109,896
baseline
▲ 0.50% · 4.625%
HK$116,583
+HK$6,687/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,792/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,044
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,129
−HK$3,130/mo
Today · 4.125%
HK$121,259
baseline
▲ 0.50% · 4.625%
HK$127,651
+HK$6,392/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,518/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,780 · Scale 2, in force from 26 Feb 2026)