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$57,449
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,236
−HK$1,816/mo
Today · 4.125%
HK$61,052
baseline
▲ 0.50% · 4.625%
HK$64,767
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,104/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,912
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,626
−HK$1,739/mo
Today · 4.125%
HK$67,365
baseline
▲ 0.50% · 4.625%
HK$70,916
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,730/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,939
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,084
−HK$2,178/mo
Today · 4.125%
HK$73,262
baseline
▲ 0.50% · 4.625%
HK$77,720
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,524/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,694
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,751
−HK$2,087/mo
Today · 4.125%
HK$80,838
baseline
▲ 0.50% · 4.625%
HK$85,099
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,676/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,429
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,931
−HK$2,542/mo
Today · 4.125%
HK$85,473
baseline
▲ 0.50% · 4.625%
HK$90,674
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,946/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,477
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,876
−HK$2,435/mo
Today · 4.125%
HK$94,311
baseline
▲ 0.50% · 4.625%
HK$99,282
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,622/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,409
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,626
−HK$3,268/mo
Today · 4.125%
HK$109,894
baseline
▲ 0.50% · 4.625%
HK$116,580
+HK$6,686/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,788/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,041
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,127
−HK$3,130/mo
Today · 4.125%
HK$121,257
baseline
▲ 0.50% · 4.625%
HK$127,648
+HK$6,391/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,514/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,757 · Scale 2, in force from 26 Feb 2026)