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$57,298
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,081
−HK$1,810/mo
Today · 4.125%
HK$60,891
baseline
▲ 0.50% · 4.625%
HK$64,597
+HK$3,706/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,782/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,744
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,453
−HK$1,735/mo
Today · 4.125%
HK$67,188
baseline
▲ 0.50% · 4.625%
HK$70,729
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,376/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,758
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,897
−HK$2,173/mo
Today · 4.125%
HK$73,070
baseline
▲ 0.50% · 4.625%
HK$77,516
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,140/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,493
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,544
−HK$2,081/mo
Today · 4.125%
HK$80,625
baseline
▲ 0.50% · 4.625%
HK$84,875
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,250/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,218
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,713
−HK$2,535/mo
Today · 4.125%
HK$85,248
baseline
▲ 0.50% · 4.625%
HK$90,435
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,496/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,241
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,635
−HK$2,428/mo
Today · 4.125%
HK$94,063
baseline
▲ 0.50% · 4.625%
HK$99,021
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,126/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,137
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,345
−HK$3,260/mo
Today · 4.125%
HK$109,605
baseline
▲ 0.50% · 4.625%
HK$116,274
+HK$6,669/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,210/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,739
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,816
−HK$3,122/mo
Today · 4.125%
HK$120,938
baseline
▲ 0.50% · 4.625%
HK$127,313
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,876/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,942 · Scale 2, in force from 26 Feb 2026)