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$57,269
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,050
−HK$1,810/mo
Today · 4.125%
HK$60,860
baseline
▲ 0.50% · 4.625%
HK$64,563
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,720/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,711
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,420
−HK$1,733/mo
Today · 4.125%
HK$67,153
baseline
▲ 0.50% · 4.625%
HK$70,693
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,306/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,722
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,860
−HK$2,172/mo
Today · 4.125%
HK$73,032
baseline
▲ 0.50% · 4.625%
HK$77,476
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,064/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,453
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,503
−HK$2,081/mo
Today · 4.125%
HK$80,584
baseline
▲ 0.50% · 4.625%
HK$84,831
+HK$4,247/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,168/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,176
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,670
−HK$2,534/mo
Today · 4.125%
HK$85,204
baseline
▲ 0.50% · 4.625%
HK$90,388
+HK$5,184/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,408/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,195
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,587
−HK$2,427/mo
Today · 4.125%
HK$94,014
baseline
▲ 0.50% · 4.625%
HK$98,970
+HK$4,956/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$188,028/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,084
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$106,290
−HK$3,258/mo
Today · 4.125%
HK$109,548
baseline
▲ 0.50% · 4.625%
HK$116,214
+HK$6,666/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,096/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,679
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,755
−HK$3,120/mo
Today · 4.125%
HK$120,875
baseline
▲ 0.50% · 4.625%
HK$127,247
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,750/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,389 · Scale 2, in force from 26 Feb 2026)