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$57,432
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,219
−HK$1,815/mo
Today · 4.125%
HK$61,034
baseline
▲ 0.50% · 4.625%
HK$64,748
+HK$3,714/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,068/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,893
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,607
−HK$1,738/mo
Today · 4.125%
HK$67,345
baseline
▲ 0.50% · 4.625%
HK$70,895
+HK$3,550/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,690/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,919
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,063
−HK$2,178/mo
Today · 4.125%
HK$73,241
baseline
▲ 0.50% · 4.625%
HK$77,697
+HK$4,456/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,482/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,672
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,728
−HK$2,086/mo
Today · 4.125%
HK$80,814
baseline
▲ 0.50% · 4.625%
HK$85,074
+HK$4,260/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,628/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,405
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,906
−HK$2,541/mo
Today · 4.125%
HK$85,447
baseline
▲ 0.50% · 4.625%
HK$90,647
+HK$5,200/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,894/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,450
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,849
−HK$2,434/mo
Today · 4.125%
HK$94,283
baseline
▲ 0.50% · 4.625%
HK$99,253
+HK$4,970/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,566/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,378
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$106,594
−HK$3,267/mo
Today · 4.125%
HK$109,861
baseline
▲ 0.50% · 4.625%
HK$116,546
+HK$6,685/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,722/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,007
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,092
−HK$3,129/mo
Today · 4.125%
HK$121,221
baseline
▲ 0.50% · 4.625%
HK$127,611
+HK$6,390/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,442/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,440 · Scale 2, in force from 26 Feb 2026)