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$57,311
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,093
−HK$1,811/mo
Today · 4.125%
HK$60,904
baseline
▲ 0.50% · 4.625%
HK$64,610
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,808/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,757
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,467
−HK$1,735/mo
Today · 4.125%
HK$67,202
baseline
▲ 0.50% · 4.625%
HK$70,744
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,404/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,773
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,912
−HK$2,173/mo
Today · 4.125%
HK$73,085
baseline
▲ 0.50% · 4.625%
HK$77,532
+HK$4,447/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,170/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,509
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,561
−HK$2,081/mo
Today · 4.125%
HK$80,642
baseline
▲ 0.50% · 4.625%
HK$84,893
+HK$4,251/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,284/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,235
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,730
−HK$2,536/mo
Today · 4.125%
HK$85,266
baseline
▲ 0.50% · 4.625%
HK$90,454
+HK$5,188/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,532/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,260
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,654
−HK$2,429/mo
Today · 4.125%
HK$94,083
baseline
▲ 0.50% · 4.625%
HK$99,042
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,166/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,159
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,368
−HK$3,260/mo
Today · 4.125%
HK$109,628
baseline
▲ 0.50% · 4.625%
HK$116,299
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,256/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,763
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,841
−HK$3,123/mo
Today · 4.125%
HK$120,964
baseline
▲ 0.50% · 4.625%
HK$127,340
+HK$6,376/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,928/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,168 · Scale 2, in force from 26 Feb 2026)