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$57,420
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,207
−HK$1,814/mo
Today · 4.125%
HK$61,021
baseline
▲ 0.50% · 4.625%
HK$64,734
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,042/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,880
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,593
−HK$1,738/mo
Today · 4.125%
HK$67,331
baseline
▲ 0.50% · 4.625%
HK$70,880
+HK$3,549/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,662/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,905
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,048
−HK$2,178/mo
Today · 4.125%
HK$73,226
baseline
▲ 0.50% · 4.625%
HK$77,681
+HK$4,455/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,452/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,656
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,712
−HK$2,085/mo
Today · 4.125%
HK$80,797
baseline
▲ 0.50% · 4.625%
HK$85,056
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,594/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,389
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,889
−HK$2,541/mo
Today · 4.125%
HK$85,430
baseline
▲ 0.50% · 4.625%
HK$90,628
+HK$5,198/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$170,860/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,432
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,830
−HK$2,433/mo
Today · 4.125%
HK$94,263
baseline
▲ 0.50% · 4.625%
HK$99,232
+HK$4,969/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$188,526/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,357
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,572
−HK$3,266/mo
Today · 4.125%
HK$109,838
baseline
▲ 0.50% · 4.625%
HK$116,522
+HK$6,684/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,676/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,983
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,067
−HK$3,129/mo
Today · 4.125%
HK$121,196
baseline
▲ 0.50% · 4.625%
HK$127,584
+HK$6,388/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,392/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,218 · Scale 2, in force from 26 Feb 2026)