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$57,394
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,179
−HK$1,814/mo
Today · 4.125%
HK$60,993
baseline
▲ 0.50% · 4.625%
HK$64,704
+HK$3,711/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,986/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,850
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,562
−HK$1,737/mo
Today · 4.125%
HK$67,299
baseline
▲ 0.50% · 4.625%
HK$70,847
+HK$3,548/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,598/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,872
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,015
−HK$2,176/mo
Today · 4.125%
HK$73,191
baseline
▲ 0.50% · 4.625%
HK$77,645
+HK$4,454/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,382/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,620
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,675
−HK$2,084/mo
Today · 4.125%
HK$80,759
baseline
▲ 0.50% · 4.625%
HK$85,016
+HK$4,257/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,518/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,351
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,850
−HK$2,540/mo
Today · 4.125%
HK$85,390
baseline
▲ 0.50% · 4.625%
HK$90,586
+HK$5,196/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,780/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,390
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,787
−HK$2,432/mo
Today · 4.125%
HK$94,219
baseline
▲ 0.50% · 4.625%
HK$99,186
+HK$4,967/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,438/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,309
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,522
−HK$3,265/mo
Today · 4.125%
HK$109,787
baseline
▲ 0.50% · 4.625%
HK$116,467
+HK$6,680/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,574/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,930
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,012
−HK$3,127/mo
Today · 4.125%
HK$121,139
baseline
▲ 0.50% · 4.625%
HK$127,524
+HK$6,385/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,278/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,717 · Scale 2, in force from 26 Feb 2026)