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$57,329
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,113
−HK$1,812/mo
Today · 4.125%
HK$60,925
baseline
▲ 0.50% · 4.625%
HK$64,632
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,850/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,778
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,489
−HK$1,735/mo
Today · 4.125%
HK$67,224
baseline
▲ 0.50% · 4.625%
HK$70,768
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,448/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,795
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,935
−HK$2,174/mo
Today · 4.125%
HK$73,109
baseline
▲ 0.50% · 4.625%
HK$77,558
+HK$4,449/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,218/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,534
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,587
−HK$2,082/mo
Today · 4.125%
HK$80,669
baseline
▲ 0.50% · 4.625%
HK$84,921
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,338/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,261
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,758
−HK$2,536/mo
Today · 4.125%
HK$85,294
baseline
▲ 0.50% · 4.625%
HK$90,484
+HK$5,190/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,588/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,290
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,685
−HK$2,429/mo
Today · 4.125%
HK$94,114
baseline
▲ 0.50% · 4.625%
HK$99,075
+HK$4,961/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,228/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,193
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,403
−HK$3,261/mo
Today · 4.125%
HK$109,664
baseline
▲ 0.50% · 4.625%
HK$116,337
+HK$6,673/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,328/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,801
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,880
−HK$3,124/mo
Today · 4.125%
HK$121,004
baseline
▲ 0.50% · 4.625%
HK$127,382
+HK$6,378/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,008/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,521 · Scale 2, in force from 26 Feb 2026)