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$57,246
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,027
−HK$1,809/mo
Today · 4.125%
HK$60,836
baseline
▲ 0.50% · 4.625%
HK$64,538
+HK$3,702/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,672/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,686
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,394
−HK$1,732/mo
Today · 4.125%
HK$67,126
baseline
▲ 0.50% · 4.625%
HK$70,665
+HK$3,539/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,252/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,695
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,832
−HK$2,171/mo
Today · 4.125%
HK$73,003
baseline
▲ 0.50% · 4.625%
HK$77,445
+HK$4,442/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$146,006/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,423
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,472
−HK$2,080/mo
Today · 4.125%
HK$80,552
baseline
▲ 0.50% · 4.625%
HK$84,798
+HK$4,246/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,104/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,144
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,637
−HK$2,533/mo
Today · 4.125%
HK$85,170
baseline
▲ 0.50% · 4.625%
HK$90,353
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,340/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,160
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,551
−HK$2,426/mo
Today · 4.125%
HK$93,977
baseline
▲ 0.50% · 4.625%
HK$98,930
+HK$4,953/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,954/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,043
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,248
−HK$3,256/mo
Today · 4.125%
HK$109,504
baseline
▲ 0.50% · 4.625%
HK$116,168
+HK$6,664/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$219,008/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,634
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,708
−HK$3,119/mo
Today · 4.125%
HK$120,827
baseline
▲ 0.50% · 4.625%
HK$127,196
+HK$6,369/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,654/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,965 · Scale 2, in force from 26 Feb 2026)