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$57,466
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,254
−HK$1,816/mo
Today · 4.125%
HK$61,070
baseline
▲ 0.50% · 4.625%
HK$64,786
+HK$3,716/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$122,140/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,931
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,645
−HK$1,740/mo
Today · 4.125%
HK$67,385
baseline
▲ 0.50% · 4.625%
HK$70,937
+HK$3,552/mo
Deposit HK$12.60M · loan HK$12.60M · min. income ≈ HK$134,770/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,071,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,960
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,105
−HK$2,179/mo
Today · 4.125%
HK$73,284
baseline
▲ 0.50% · 4.625%
HK$77,743
+HK$4,459/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$146,568/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,717
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,774
−HK$2,088/mo
Today · 4.125%
HK$80,862
baseline
▲ 0.50% · 4.625%
HK$85,124
+HK$4,262/mo
Deposit HK$10.08M · loan HK$15.12M · min. income ≈ HK$161,724/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,071,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,453
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,955
−HK$2,543/mo
Today · 4.125%
HK$85,498
baseline
▲ 0.50% · 4.625%
HK$90,700
+HK$5,202/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$170,996/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,503
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,903
−HK$2,436/mo
Today · 4.125%
HK$94,339
baseline
▲ 0.50% · 4.625%
HK$99,311
+HK$4,972/mo
Deposit HK$7.56M · loan HK$17.64M · min. income ≈ HK$188,678/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$1,071,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,439
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,657
−HK$3,269/mo
Today · 4.125%
HK$109,926
baseline
▲ 0.50% · 4.625%
HK$116,615
+HK$6,689/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$219,852/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,075
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,162
−HK$3,130/mo
Today · 4.125%
HK$121,292
baseline
▲ 0.50% · 4.625%
HK$127,686
+HK$6,394/mo
Deposit HK$2.52M · loan HK$22.68M · min. income ≈ HK$242,584/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,071,073 · Scale 2, in force from 26 Feb 2026)