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$57,384
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,169
−HK$1,814/mo
Today · 4.125%
HK$60,983
baseline
▲ 0.50% · 4.625%
HK$64,693
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,966/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,839
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,551
−HK$1,737/mo
Today · 4.125%
HK$67,288
baseline
▲ 0.50% · 4.625%
HK$70,835
+HK$3,547/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,576/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,861
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,003
−HK$2,176/mo
Today · 4.125%
HK$73,179
baseline
▲ 0.50% · 4.625%
HK$77,632
+HK$4,453/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,358/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,607
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,662
−HK$2,084/mo
Today · 4.125%
HK$80,746
baseline
▲ 0.50% · 4.625%
HK$85,002
+HK$4,256/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,492/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,338
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,837
−HK$2,539/mo
Today · 4.125%
HK$85,376
baseline
▲ 0.50% · 4.625%
HK$90,570
+HK$5,194/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,752/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,375
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,772
−HK$2,432/mo
Today · 4.125%
HK$94,204
baseline
▲ 0.50% · 4.625%
HK$99,169
+HK$4,965/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,408/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,291
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,504
−HK$3,265/mo
Today · 4.125%
HK$109,769
baseline
▲ 0.50% · 4.625%
HK$116,448
+HK$6,679/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,538/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,911
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,992
−HK$3,127/mo
Today · 4.125%
HK$121,119
baseline
▲ 0.50% · 4.625%
HK$127,503
+HK$6,384/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,238/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,539 · Scale 2, in force from 26 Feb 2026)