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$57,417
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,203
−HK$1,815/mo
Today · 4.125%
HK$61,018
baseline
▲ 0.50% · 4.625%
HK$64,730
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,036/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,876
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,589
−HK$1,738/mo
Today · 4.125%
HK$67,327
baseline
▲ 0.50% · 4.625%
HK$70,876
+HK$3,549/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,654/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,901
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,044
−HK$2,177/mo
Today · 4.125%
HK$73,221
baseline
▲ 0.50% · 4.625%
HK$77,677
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,442/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,651
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,707
−HK$2,085/mo
Today · 4.125%
HK$80,792
baseline
▲ 0.50% · 4.625%
HK$85,051
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,584/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,384
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,884
−HK$2,541/mo
Today · 4.125%
HK$85,425
baseline
▲ 0.50% · 4.625%
HK$90,623
+HK$5,198/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$170,850/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,426
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,825
−HK$2,433/mo
Today · 4.125%
HK$94,258
baseline
▲ 0.50% · 4.625%
HK$99,226
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$188,516/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,351
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,566
−HK$3,266/mo
Today · 4.125%
HK$109,832
baseline
▲ 0.50% · 4.625%
HK$116,515
+HK$6,683/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,664/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,977
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,060
−HK$3,129/mo
Today · 4.125%
HK$121,189
baseline
▲ 0.50% · 4.625%
HK$127,577
+HK$6,388/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,378/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,156 · Scale 2, in force from 26 Feb 2026)