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$57,444
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,231
−HK$1,816/mo
Today · 4.125%
HK$61,047
baseline
▲ 0.50% · 4.625%
HK$64,761
+HK$3,714/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,094/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,906
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,620
−HK$1,739/mo
Today · 4.125%
HK$67,359
baseline
▲ 0.50% · 4.625%
HK$70,910
+HK$3,551/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,718/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,070,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,933
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,077
−HK$2,179/mo
Today · 4.125%
HK$73,256
baseline
▲ 0.50% · 4.625%
HK$77,713
+HK$4,457/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,512/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,688
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,744
−HK$2,087/mo
Today · 4.125%
HK$80,831
baseline
▲ 0.50% · 4.625%
HK$85,091
+HK$4,260/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,662/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,070,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,422
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,924
−HK$2,541/mo
Today · 4.125%
HK$85,465
baseline
▲ 0.50% · 4.625%
HK$90,666
+HK$5,201/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$170,930/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,469
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,868
−HK$2,435/mo
Today · 4.125%
HK$94,303
baseline
▲ 0.50% · 4.625%
HK$99,273
+HK$4,970/mo
Deposit HK$7.56M · loan HK$17.63M · min. income ≈ HK$188,606/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,070,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,400
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,616
−HK$3,268/mo
Today · 4.125%
HK$109,884
baseline
▲ 0.50% · 4.625%
HK$116,570
+HK$6,686/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$219,768/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,031
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,116
−HK$3,130/mo
Today · 4.125%
HK$121,246
baseline
▲ 0.50% · 4.625%
HK$127,637
+HK$6,391/mo
Deposit HK$2.52M · loan HK$22.67M · min. income ≈ HK$242,492/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,070,663 · Scale 2, in force from 26 Feb 2026)