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$57,461
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,249
−HK$1,816/mo
Today · 4.125%
HK$61,065
baseline
▲ 0.50% · 4.625%
HK$64,780
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,130/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,925
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,639
−HK$1,740/mo
Today · 4.125%
HK$67,379
baseline
▲ 0.50% · 4.625%
HK$70,930
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,758/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,953
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,098
−HK$2,179/mo
Today · 4.125%
HK$73,277
baseline
▲ 0.50% · 4.625%
HK$77,736
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,554/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,710
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,767
−HK$2,087/mo
Today · 4.125%
HK$80,854
baseline
▲ 0.50% · 4.625%
HK$85,116
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,708/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,446
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,948
−HK$2,542/mo
Today · 4.125%
HK$85,490
baseline
▲ 0.50% · 4.625%
HK$90,692
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,980/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,495
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,895
−HK$2,435/mo
Today · 4.125%
HK$94,330
baseline
▲ 0.50% · 4.625%
HK$99,302
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,660/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,430
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,647
−HK$3,269/mo
Today · 4.125%
HK$109,916
baseline
▲ 0.50% · 4.625%
HK$116,604
+HK$6,688/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,832/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,065
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,151
−HK$3,131/mo
Today · 4.125%
HK$121,282
baseline
▲ 0.50% · 4.625%
HK$127,675
+HK$6,393/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,564/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,977 · Scale 2, in force from 26 Feb 2026)