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$57,295
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,078
−HK$1,810/mo
Today · 4.125%
HK$60,888
baseline
▲ 0.50% · 4.625%
HK$64,593
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,776/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,741
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,450
−HK$1,734/mo
Today · 4.125%
HK$67,184
baseline
▲ 0.50% · 4.625%
HK$70,726
+HK$3,542/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,368/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,754
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,893
−HK$2,173/mo
Today · 4.125%
HK$73,066
baseline
▲ 0.50% · 4.625%
HK$77,512
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,132/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,489
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,540
−HK$2,081/mo
Today · 4.125%
HK$80,621
baseline
▲ 0.50% · 4.625%
HK$84,871
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,242/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,214
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,709
−HK$2,535/mo
Today · 4.125%
HK$85,244
baseline
▲ 0.50% · 4.625%
HK$90,430
+HK$5,186/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,488/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,237
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,630
−HK$2,428/mo
Today · 4.125%
HK$94,058
baseline
▲ 0.50% · 4.625%
HK$99,016
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,116/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,132
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,340
−HK$3,259/mo
Today · 4.125%
HK$109,599
baseline
▲ 0.50% · 4.625%
HK$116,268
+HK$6,669/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,198/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,733
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,810
−HK$3,122/mo
Today · 4.125%
HK$120,932
baseline
▲ 0.50% · 4.625%
HK$127,306
+HK$6,374/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,864/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,886 · Scale 2, in force from 26 Feb 2026)