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$57,285
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,066
−HK$1,811/mo
Today · 4.125%
HK$60,877
baseline
▲ 0.50% · 4.625%
HK$64,581
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,754/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,729
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,438
−HK$1,734/mo
Today · 4.125%
HK$67,172
baseline
▲ 0.50% · 4.625%
HK$70,712
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,344/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,742
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,880
−HK$2,172/mo
Today · 4.125%
HK$73,052
baseline
▲ 0.50% · 4.625%
HK$77,497
+HK$4,445/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,104/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,474
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,525
−HK$2,081/mo
Today · 4.125%
HK$80,606
baseline
▲ 0.50% · 4.625%
HK$84,855
+HK$4,249/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,212/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,198
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,693
−HK$2,535/mo
Today · 4.125%
HK$85,228
baseline
▲ 0.50% · 4.625%
HK$90,413
+HK$5,185/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,456/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,220
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,613
−HK$2,427/mo
Today · 4.125%
HK$94,040
baseline
▲ 0.50% · 4.625%
HK$98,997
+HK$4,957/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,080/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,112
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,320
−HK$3,258/mo
Today · 4.125%
HK$109,578
baseline
▲ 0.50% · 4.625%
HK$116,246
+HK$6,668/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,156/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,711
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,788
−HK$3,121/mo
Today · 4.125%
HK$120,909
baseline
▲ 0.50% · 4.625%
HK$127,282
+HK$6,373/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,818/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,685 · Scale 2, in force from 26 Feb 2026)