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$57,364
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,149
−HK$1,813/mo
Today · 4.125%
HK$60,962
baseline
▲ 0.50% · 4.625%
HK$64,671
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,924/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,817
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,529
−HK$1,736/mo
Today · 4.125%
HK$67,265
baseline
▲ 0.50% · 4.625%
HK$70,811
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,530/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,837
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,978
−HK$2,176/mo
Today · 4.125%
HK$73,154
baseline
▲ 0.50% · 4.625%
HK$77,605
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,308/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,581
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,635
−HK$2,083/mo
Today · 4.125%
HK$80,718
baseline
▲ 0.50% · 4.625%
HK$84,973
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,436/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,310
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,808
−HK$2,538/mo
Today · 4.125%
HK$85,346
baseline
▲ 0.50% · 4.625%
HK$90,539
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,692/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,344
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,740
−HK$2,431/mo
Today · 4.125%
HK$94,171
baseline
▲ 0.50% · 4.625%
HK$99,135
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,342/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,256
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,468
−HK$3,263/mo
Today · 4.125%
HK$109,731
baseline
▲ 0.50% · 4.625%
HK$116,408
+HK$6,677/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,462/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,871
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,952
−HK$3,125/mo
Today · 4.125%
HK$121,077
baseline
▲ 0.50% · 4.625%
HK$127,459
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,154/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,172 · Scale 2, in force from 26 Feb 2026)