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$57,338
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,121
−HK$1,812/mo
Today · 4.125%
HK$60,933
baseline
▲ 0.50% · 4.625%
HK$64,641
+HK$3,708/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,866/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,788
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,498
−HK$1,736/mo
Today · 4.125%
HK$67,234
baseline
▲ 0.50% · 4.625%
HK$70,778
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,468/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,805
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,945
−HK$2,175/mo
Today · 4.125%
HK$73,120
baseline
▲ 0.50% · 4.625%
HK$77,569
+HK$4,449/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,240/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,545
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,598
−HK$2,083/mo
Today · 4.125%
HK$80,681
baseline
▲ 0.50% · 4.625%
HK$84,933
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,362/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,273
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,770
−HK$2,537/mo
Today · 4.125%
HK$85,307
baseline
▲ 0.50% · 4.625%
HK$90,497
+HK$5,190/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,614/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,303
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,698
−HK$2,429/mo
Today · 4.125%
HK$94,127
baseline
▲ 0.50% · 4.625%
HK$99,089
+HK$4,962/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,254/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,208
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,418
−HK$3,262/mo
Today · 4.125%
HK$109,680
baseline
▲ 0.50% · 4.625%
HK$116,354
+HK$6,674/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,360/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,818
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,897
−HK$3,124/mo
Today · 4.125%
HK$121,021
baseline
▲ 0.50% · 4.625%
HK$127,400
+HK$6,379/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,042/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,674 · Scale 2, in force from 26 Feb 2026)