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$57,726
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,522
−HK$1,824/mo
Today · 4.125%
HK$61,346
baseline
▲ 0.50% · 4.625%
HK$65,079
+HK$3,733/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$122,692/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,220
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,942
−HK$1,747/mo
Today · 4.125%
HK$67,689
baseline
▲ 0.50% · 4.625%
HK$71,257
+HK$3,568/mo
Deposit HK$12.66M · loan HK$12.66M · min. income ≈ HK$135,378/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,271
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,426
−HK$2,189/mo
Today · 4.125%
HK$73,615
baseline
▲ 0.50% · 4.625%
HK$78,095
+HK$4,480/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$147,230/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,064
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,131
−HK$2,096/mo
Today · 4.125%
HK$81,227
baseline
▲ 0.50% · 4.625%
HK$85,509
+HK$4,282/mo
Deposit HK$10.13M · loan HK$15.19M · min. income ≈ HK$162,454/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,817
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,331
−HK$2,554/mo
Today · 4.125%
HK$85,885
baseline
▲ 0.50% · 4.625%
HK$91,110
+HK$5,225/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,770/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,908
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,319
−HK$2,446/mo
Today · 4.125%
HK$94,765
baseline
▲ 0.50% · 4.625%
HK$99,760
+HK$4,995/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,530/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,907
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,139
−HK$3,284/mo
Today · 4.125%
HK$110,423
baseline
▲ 0.50% · 4.625%
HK$117,142
+HK$6,719/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,846/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,596
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,696
−HK$3,145/mo
Today · 4.125%
HK$121,841
baseline
▲ 0.50% · 4.625%
HK$128,263
+HK$6,422/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,682/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,916 · Scale 2, in force from 26 Feb 2026)