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$57,430
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,216
−HK$1,815/mo
Today · 4.125%
HK$61,031
baseline
▲ 0.50% · 4.625%
HK$64,745
+HK$3,714/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,062/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,890
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,604
−HK$1,738/mo
Today · 4.125%
HK$67,342
baseline
▲ 0.50% · 4.625%
HK$70,892
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,684/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,916
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,060
−HK$2,178/mo
Today · 4.125%
HK$73,238
baseline
▲ 0.50% · 4.625%
HK$77,694
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,476/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,668
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,725
−HK$2,086/mo
Today · 4.125%
HK$80,811
baseline
▲ 0.50% · 4.625%
HK$85,070
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,622/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,402
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,903
−HK$2,541/mo
Today · 4.125%
HK$85,444
baseline
▲ 0.50% · 4.625%
HK$90,643
+HK$5,199/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,888/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,446
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,845
−HK$2,434/mo
Today · 4.125%
HK$94,279
baseline
▲ 0.50% · 4.625%
HK$99,249
+HK$4,970/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,558/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,374
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$106,590
−HK$3,267/mo
Today · 4.125%
HK$109,857
baseline
▲ 0.50% · 4.625%
HK$116,541
+HK$6,684/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,714/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,003
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,087
−HK$3,129/mo
Today · 4.125%
HK$121,216
baseline
▲ 0.50% · 4.625%
HK$127,605
+HK$6,389/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,432/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,396 · Scale 2, in force from 26 Feb 2026)