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$57,293
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,076
−HK$1,810/mo
Today · 4.125%
HK$60,886
baseline
▲ 0.50% · 4.625%
HK$64,591
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,772/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,738
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,448
−HK$1,734/mo
Today · 4.125%
HK$67,182
baseline
▲ 0.50% · 4.625%
HK$70,723
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,364/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,752
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,891
−HK$2,172/mo
Today · 4.125%
HK$73,063
baseline
▲ 0.50% · 4.625%
HK$77,509
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,126/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,486
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,537
−HK$2,081/mo
Today · 4.125%
HK$80,618
baseline
▲ 0.50% · 4.625%
HK$84,868
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,236/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,211
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,706
−HK$2,535/mo
Today · 4.125%
HK$85,241
baseline
▲ 0.50% · 4.625%
HK$90,427
+HK$5,186/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,482/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,234
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,627
−HK$2,428/mo
Today · 4.125%
HK$94,055
baseline
▲ 0.50% · 4.625%
HK$99,012
+HK$4,957/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,110/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,128
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,336
−HK$3,259/mo
Today · 4.125%
HK$109,595
baseline
▲ 0.50% · 4.625%
HK$116,264
+HK$6,669/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,190/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,729
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,806
−HK$3,121/mo
Today · 4.125%
HK$120,927
baseline
▲ 0.50% · 4.625%
HK$127,302
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,854/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,849 · Scale 2, in force from 26 Feb 2026)