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$57,261
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,042
−HK$1,810/mo
Today · 4.125%
HK$60,852
baseline
▲ 0.50% · 4.625%
HK$64,555
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,704/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,702
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,411
−HK$1,733/mo
Today · 4.125%
HK$67,144
baseline
▲ 0.50% · 4.625%
HK$70,683
+HK$3,539/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,288/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,713
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,851
−HK$2,171/mo
Today · 4.125%
HK$73,022
baseline
▲ 0.50% · 4.625%
HK$77,465
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$146,044/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,443
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,493
−HK$2,080/mo
Today · 4.125%
HK$80,573
baseline
▲ 0.50% · 4.625%
HK$84,820
+HK$4,247/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$161,146/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,166
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,659
−HK$2,534/mo
Today · 4.125%
HK$85,193
baseline
▲ 0.50% · 4.625%
HK$90,376
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,386/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,183
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,575
−HK$2,427/mo
Today · 4.125%
HK$94,002
baseline
▲ 0.50% · 4.625%
HK$98,957
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$188,004/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,070
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,276
−HK$3,257/mo
Today · 4.125%
HK$109,533
baseline
▲ 0.50% · 4.625%
HK$116,198
+HK$6,665/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,066/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,664
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,740
−HK$3,119/mo
Today · 4.125%
HK$120,859
baseline
▲ 0.50% · 4.625%
HK$127,230
+HK$6,371/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,718/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,247 · Scale 2, in force from 26 Feb 2026)