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$57,448
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,235
−HK$1,815/mo
Today · 4.125%
HK$61,050
baseline
▲ 0.50% · 4.625%
HK$64,765
+HK$3,715/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,100/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,910
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,624
−HK$1,739/mo
Today · 4.125%
HK$67,363
baseline
▲ 0.50% · 4.625%
HK$70,914
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,726/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,937
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,082
−HK$2,178/mo
Today · 4.125%
HK$73,260
baseline
▲ 0.50% · 4.625%
HK$77,718
+HK$4,458/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,520/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,692
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,749
−HK$2,087/mo
Today · 4.125%
HK$80,836
baseline
▲ 0.50% · 4.625%
HK$85,097
+HK$4,261/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,672/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,427
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,929
−HK$2,541/mo
Today · 4.125%
HK$85,470
baseline
▲ 0.50% · 4.625%
HK$90,671
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,940/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,474
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,874
−HK$2,434/mo
Today · 4.125%
HK$94,308
baseline
▲ 0.50% · 4.625%
HK$99,279
+HK$4,971/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,616/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,406
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,623
−HK$3,268/mo
Today · 4.125%
HK$109,891
baseline
▲ 0.50% · 4.625%
HK$116,577
+HK$6,686/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,782/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,038
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,124
−HK$3,129/mo
Today · 4.125%
HK$121,253
baseline
▲ 0.50% · 4.625%
HK$127,645
+HK$6,392/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,506/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,728 · Scale 2, in force from 26 Feb 2026)