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$57,410
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,196
−HK$1,814/mo
Today · 4.125%
HK$61,010
baseline
▲ 0.50% · 4.625%
HK$64,722
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,020/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,868
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,581
−HK$1,738/mo
Today · 4.125%
HK$67,319
baseline
▲ 0.50% · 4.625%
HK$70,867
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,638/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,892
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,035
−HK$2,177/mo
Today · 4.125%
HK$73,212
baseline
▲ 0.50% · 4.625%
HK$77,667
+HK$4,455/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,424/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,642
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,697
−HK$2,085/mo
Today · 4.125%
HK$80,782
baseline
▲ 0.50% · 4.625%
HK$85,040
+HK$4,258/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,564/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,374
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,874
−HK$2,540/mo
Today · 4.125%
HK$85,414
baseline
▲ 0.50% · 4.625%
HK$90,611
+HK$5,197/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,828/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,415
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,813
−HK$2,433/mo
Today · 4.125%
HK$94,246
baseline
▲ 0.50% · 4.625%
HK$99,214
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,492/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,338
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,552
−HK$3,266/mo
Today · 4.125%
HK$109,818
baseline
▲ 0.50% · 4.625%
HK$116,500
+HK$6,682/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,636/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,962
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,046
−HK$3,127/mo
Today · 4.125%
HK$121,173
baseline
▲ 0.50% · 4.625%
HK$127,561
+HK$6,388/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,346/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,022 · Scale 2, in force from 26 Feb 2026)