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$57,408
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,194
−HK$1,814/mo
Today · 4.125%
HK$61,008
baseline
▲ 0.50% · 4.625%
HK$64,720
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,016/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,866
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,579
−HK$1,737/mo
Today · 4.125%
HK$67,316
baseline
▲ 0.50% · 4.625%
HK$70,865
+HK$3,549/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,632/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,890
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,033
−HK$2,177/mo
Today · 4.125%
HK$73,210
baseline
▲ 0.50% · 4.625%
HK$77,664
+HK$4,454/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,420/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,639
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,694
−HK$2,086/mo
Today · 4.125%
HK$80,780
baseline
▲ 0.50% · 4.625%
HK$85,038
+HK$4,258/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,560/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,371
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,871
−HK$2,540/mo
Today · 4.125%
HK$85,411
baseline
▲ 0.50% · 4.625%
HK$90,608
+HK$5,197/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,822/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,412
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,810
−HK$2,433/mo
Today · 4.125%
HK$94,243
baseline
▲ 0.50% · 4.625%
HK$99,211
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,486/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,334
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,549
−HK$3,265/mo
Today · 4.125%
HK$109,814
baseline
▲ 0.50% · 4.625%
HK$116,496
+HK$6,682/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,628/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,959
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,042
−HK$3,127/mo
Today · 4.125%
HK$121,169
baseline
▲ 0.50% · 4.625%
HK$127,556
+HK$6,387/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,338/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,986 · Scale 2, in force from 26 Feb 2026)