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$57,485
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,273
−HK$1,817/mo
Today · 4.125%
HK$61,090
baseline
▲ 0.50% · 4.625%
HK$64,807
+HK$3,717/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,180/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,952
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,667
−HK$1,740/mo
Today · 4.125%
HK$67,407
baseline
▲ 0.50% · 4.625%
HK$70,960
+HK$3,553/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,814/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,982
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,128
−HK$2,180/mo
Today · 4.125%
HK$73,308
baseline
▲ 0.50% · 4.625%
HK$77,768
+HK$4,460/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$146,616/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,742
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,800
−HK$2,088/mo
Today · 4.125%
HK$80,888
baseline
▲ 0.50% · 4.625%
HK$85,152
+HK$4,264/mo
Deposit HK$10.08M · loan HK$15.13M · min. income ≈ HK$161,776/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,071,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,479
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,982
−HK$2,544/mo
Today · 4.125%
HK$85,526
baseline
▲ 0.50% · 4.625%
HK$90,730
+HK$5,204/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,052/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,532
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,933
−HK$2,436/mo
Today · 4.125%
HK$94,369
baseline
▲ 0.50% · 4.625%
HK$99,344
+HK$4,975/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,738/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,473
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,692
−HK$3,270/mo
Today · 4.125%
HK$109,962
baseline
▲ 0.50% · 4.625%
HK$116,653
+HK$6,691/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,924/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,113
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,200
−HK$3,132/mo
Today · 4.125%
HK$121,332
baseline
▲ 0.50% · 4.625%
HK$127,728
+HK$6,396/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,664/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,421 · Scale 2, in force from 26 Feb 2026)