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$57,416
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,202
−HK$1,815/mo
Today · 4.125%
HK$61,017
baseline
▲ 0.50% · 4.625%
HK$64,729
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,034/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,875
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,588
−HK$1,738/mo
Today · 4.125%
HK$67,326
baseline
▲ 0.50% · 4.625%
HK$70,875
+HK$3,549/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,652/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,899
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,042
−HK$2,178/mo
Today · 4.125%
HK$73,220
baseline
▲ 0.50% · 4.625%
HK$77,675
+HK$4,455/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,440/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,650
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,706
−HK$2,085/mo
Today · 4.125%
HK$80,791
baseline
▲ 0.50% · 4.625%
HK$85,050
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,582/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,383
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,883
−HK$2,540/mo
Today · 4.125%
HK$85,423
baseline
▲ 0.50% · 4.625%
HK$90,621
+HK$5,198/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$170,846/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,425
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,823
−HK$2,433/mo
Today · 4.125%
HK$94,256
baseline
▲ 0.50% · 4.625%
HK$99,224
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.63M · min. income ≈ HK$188,512/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,349
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,564
−HK$3,266/mo
Today · 4.125%
HK$109,830
baseline
▲ 0.50% · 4.625%
HK$116,513
+HK$6,683/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,660/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,975
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,058
−HK$3,128/mo
Today · 4.125%
HK$121,186
baseline
▲ 0.50% · 4.625%
HK$127,574
+HK$6,388/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,372/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,136 · Scale 2, in force from 26 Feb 2026)