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$57,413
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,199
−HK$1,814/mo
Today · 4.125%
HK$61,013
baseline
▲ 0.50% · 4.625%
HK$64,726
+HK$3,713/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,026/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,871
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,584
−HK$1,738/mo
Today · 4.125%
HK$67,322
baseline
▲ 0.50% · 4.625%
HK$70,870
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,644/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,070,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,895
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,038
−HK$2,178/mo
Today · 4.125%
HK$73,216
baseline
▲ 0.50% · 4.625%
HK$77,671
+HK$4,455/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$146,432/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,645
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,701
−HK$2,085/mo
Today · 4.125%
HK$80,786
baseline
▲ 0.50% · 4.625%
HK$85,045
+HK$4,259/mo
Deposit HK$10.07M · loan HK$15.11M · min. income ≈ HK$161,572/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,070,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,378
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,878
−HK$2,540/mo
Today · 4.125%
HK$85,418
baseline
▲ 0.50% · 4.625%
HK$90,616
+HK$5,198/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,836/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,420
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,818
−HK$2,433/mo
Today · 4.125%
HK$94,251
baseline
▲ 0.50% · 4.625%
HK$99,219
+HK$4,968/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,502/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,070,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,343
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,557
−HK$3,266/mo
Today · 4.125%
HK$109,823
baseline
▲ 0.50% · 4.625%
HK$116,506
+HK$6,683/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,646/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,968
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,051
−HK$3,128/mo
Today · 4.125%
HK$121,179
baseline
▲ 0.50% · 4.625%
HK$127,567
+HK$6,388/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,358/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,074 · Scale 2, in force from 26 Feb 2026)