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$57,328
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,111
−HK$1,812/mo
Today · 4.125%
HK$60,923
baseline
▲ 0.50% · 4.625%
HK$64,630
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,846/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,777
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,487
−HK$1,736/mo
Today · 4.125%
HK$67,223
baseline
▲ 0.50% · 4.625%
HK$70,766
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,446/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,794
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,934
−HK$2,174/mo
Today · 4.125%
HK$73,108
baseline
▲ 0.50% · 4.625%
HK$77,556
+HK$4,448/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$146,216/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,532
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,585
−HK$2,082/mo
Today · 4.125%
HK$80,667
baseline
▲ 0.50% · 4.625%
HK$84,919
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$161,334/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,259
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,756
−HK$2,536/mo
Today · 4.125%
HK$85,292
baseline
▲ 0.50% · 4.625%
HK$90,482
+HK$5,190/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,584/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,288
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,682
−HK$2,430/mo
Today · 4.125%
HK$94,112
baseline
▲ 0.50% · 4.625%
HK$99,072
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,224/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,191
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,400
−HK$3,262/mo
Today · 4.125%
HK$109,662
baseline
▲ 0.50% · 4.625%
HK$116,334
+HK$6,672/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,324/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,798
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,877
−HK$3,124/mo
Today · 4.125%
HK$121,001
baseline
▲ 0.50% · 4.625%
HK$127,379
+HK$6,378/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,002/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,496 · Scale 2, in force from 26 Feb 2026)