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$57,304
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,087
−HK$1,811/mo
Today · 4.125%
HK$60,898
baseline
▲ 0.50% · 4.625%
HK$64,603
+HK$3,705/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,796/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,750
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,460
−HK$1,735/mo
Today · 4.125%
HK$67,195
baseline
▲ 0.50% · 4.625%
HK$70,737
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,390/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,765
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,904
−HK$2,173/mo
Today · 4.125%
HK$73,077
baseline
▲ 0.50% · 4.625%
HK$77,524
+HK$4,447/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,154/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,500
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,552
−HK$2,082/mo
Today · 4.125%
HK$80,634
baseline
▲ 0.50% · 4.625%
HK$84,884
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,268/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,226
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,721
−HK$2,536/mo
Today · 4.125%
HK$85,257
baseline
▲ 0.50% · 4.625%
HK$90,444
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,514/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,251
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,644
−HK$2,428/mo
Today · 4.125%
HK$94,072
baseline
▲ 0.50% · 4.625%
HK$99,031
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,144/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,148
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,356
−HK$3,260/mo
Today · 4.125%
HK$109,616
baseline
▲ 0.50% · 4.625%
HK$116,286
+HK$6,670/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,232/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,751
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,828
−HK$3,122/mo
Today · 4.125%
HK$120,950
baseline
▲ 0.50% · 4.625%
HK$127,326
+HK$6,376/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,900/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,052 · Scale 2, in force from 26 Feb 2026)