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$57,476
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,264
−HK$1,816/mo
Today · 4.125%
HK$61,080
baseline
▲ 0.50% · 4.625%
HK$64,797
+HK$3,717/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,160/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,941
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,656
−HK$1,740/mo
Today · 4.125%
HK$67,396
baseline
▲ 0.50% · 4.625%
HK$70,949
+HK$3,553/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,792/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,971
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,117
−HK$2,179/mo
Today · 4.125%
HK$73,296
baseline
▲ 0.50% · 4.625%
HK$77,756
+HK$4,460/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,592/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,730
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,788
−HK$2,087/mo
Today · 4.125%
HK$80,875
baseline
▲ 0.50% · 4.625%
HK$85,138
+HK$4,263/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,750/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,466
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,969
−HK$2,543/mo
Today · 4.125%
HK$85,512
baseline
▲ 0.50% · 4.625%
HK$90,716
+HK$5,204/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$171,024/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,518
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,919
−HK$2,435/mo
Today · 4.125%
HK$94,354
baseline
▲ 0.50% · 4.625%
HK$99,328
+HK$4,974/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,708/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,457
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,675
−HK$3,269/mo
Today · 4.125%
HK$109,944
baseline
▲ 0.50% · 4.625%
HK$116,634
+HK$6,690/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,888/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,095
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,181
−HK$3,132/mo
Today · 4.125%
HK$121,313
baseline
▲ 0.50% · 4.625%
HK$127,707
+HK$6,394/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,626/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,253 · Scale 2, in force from 26 Feb 2026)