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$57,438
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,225
−HK$1,815/mo
Today · 4.125%
HK$61,040
baseline
▲ 0.50% · 4.625%
HK$64,754
+HK$3,714/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,080/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,900
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,613
−HK$1,739/mo
Today · 4.125%
HK$67,352
baseline
▲ 0.50% · 4.625%
HK$70,902
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,704/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,926
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,070
−HK$2,178/mo
Today · 4.125%
HK$73,248
baseline
▲ 0.50% · 4.625%
HK$77,705
+HK$4,457/mo
Deposit HK$10.08M · loan HK$15.11M · min. income ≈ HK$146,496/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,679
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,736
−HK$2,086/mo
Today · 4.125%
HK$80,822
baseline
▲ 0.50% · 4.625%
HK$85,082
+HK$4,260/mo
Deposit HK$10.08M · loan HK$15.11M · min. income ≈ HK$161,644/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,414
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,915
−HK$2,541/mo
Today · 4.125%
HK$85,456
baseline
▲ 0.50% · 4.625%
HK$90,656
+HK$5,200/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,912/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,459
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,859
−HK$2,434/mo
Today · 4.125%
HK$94,293
baseline
▲ 0.50% · 4.625%
HK$99,263
+HK$4,970/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,586/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,389
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$106,605
−HK$3,267/mo
Today · 4.125%
HK$109,872
baseline
▲ 0.50% · 4.625%
HK$116,558
+HK$6,686/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,744/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,019
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,104
−HK$3,129/mo
Today · 4.125%
HK$121,233
baseline
▲ 0.50% · 4.625%
HK$127,624
+HK$6,391/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,466/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,551 · Scale 2, in force from 26 Feb 2026)