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$57,481
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,269
−HK$1,816/mo
Today · 4.125%
HK$61,085
baseline
▲ 0.50% · 4.625%
HK$64,802
+HK$3,717/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,170/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,947
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,662
−HK$1,740/mo
Today · 4.125%
HK$67,402
baseline
▲ 0.50% · 4.625%
HK$70,954
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,804/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,071,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,977
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,122
−HK$2,180/mo
Today · 4.125%
HK$73,302
baseline
▲ 0.50% · 4.625%
HK$77,763
+HK$4,461/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,604/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,736
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,794
−HK$2,088/mo
Today · 4.125%
HK$80,882
baseline
▲ 0.50% · 4.625%
HK$85,145
+HK$4,263/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,764/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,473
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,976
−HK$2,543/mo
Today · 4.125%
HK$85,519
baseline
▲ 0.50% · 4.625%
HK$90,723
+HK$5,204/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$171,038/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,525
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,926
−HK$2,436/mo
Today · 4.125%
HK$94,362
baseline
▲ 0.50% · 4.625%
HK$99,336
+HK$4,974/mo
Deposit HK$7.56M · loan HK$17.65M · min. income ≈ HK$188,724/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,465
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,684
−HK$3,269/mo
Today · 4.125%
HK$109,953
baseline
▲ 0.50% · 4.625%
HK$116,644
+HK$6,691/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$219,906/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,104
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,191
−HK$3,132/mo
Today · 4.125%
HK$121,323
baseline
▲ 0.50% · 4.625%
HK$127,718
+HK$6,395/mo
Deposit HK$2.52M · loan HK$22.69M · min. income ≈ HK$242,646/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,340 · Scale 2, in force from 26 Feb 2026)