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$57,401
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,186
−HK$1,814/mo
Today · 4.125%
HK$61,000
baseline
▲ 0.50% · 4.625%
HK$64,712
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$122,000/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,858
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,570
−HK$1,738/mo
Today · 4.125%
HK$67,308
baseline
▲ 0.50% · 4.625%
HK$70,855
+HK$3,547/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,616/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,881
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,023
−HK$2,177/mo
Today · 4.125%
HK$73,200
baseline
▲ 0.50% · 4.625%
HK$77,654
+HK$4,454/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,400/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,629
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,684
−HK$2,085/mo
Today · 4.125%
HK$80,769
baseline
▲ 0.50% · 4.625%
HK$85,027
+HK$4,258/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,538/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,361
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,860
−HK$2,540/mo
Today · 4.125%
HK$85,400
baseline
▲ 0.50% · 4.625%
HK$90,596
+HK$5,196/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,800/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,401
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,798
−HK$2,433/mo
Today · 4.125%
HK$94,231
baseline
▲ 0.50% · 4.625%
HK$99,198
+HK$4,967/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,462/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,321
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,535
−HK$3,265/mo
Today · 4.125%
HK$109,800
baseline
▲ 0.50% · 4.625%
HK$116,481
+HK$6,681/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,600/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,944
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,026
−HK$3,128/mo
Today · 4.125%
HK$121,154
baseline
▲ 0.50% · 4.625%
HK$127,540
+HK$6,386/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,308/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,846 · Scale 2, in force from 26 Feb 2026)