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$57,355
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,140
−HK$1,812/mo
Today · 4.125%
HK$60,952
baseline
▲ 0.50% · 4.625%
HK$64,661
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,904/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,807
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,519
−HK$1,736/mo
Today · 4.125%
HK$67,255
baseline
▲ 0.50% · 4.625%
HK$70,800
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,510/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,827
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,967
−HK$2,176/mo
Today · 4.125%
HK$73,143
baseline
▲ 0.50% · 4.625%
HK$77,593
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,286/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,569
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,622
−HK$2,084/mo
Today · 4.125%
HK$80,706
baseline
▲ 0.50% · 4.625%
HK$84,960
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,412/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,298
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,795
−HK$2,538/mo
Today · 4.125%
HK$85,333
baseline
▲ 0.50% · 4.625%
HK$90,525
+HK$5,192/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,666/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,069,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,330
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,726
−HK$2,431/mo
Today · 4.125%
HK$94,157
baseline
▲ 0.50% · 4.625%
HK$99,120
+HK$4,963/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,314/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,069,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,240
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,451
−HK$3,263/mo
Today · 4.125%
HK$109,714
baseline
▲ 0.50% · 4.625%
HK$116,390
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,428/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,853
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,934
−HK$3,124/mo
Today · 4.125%
HK$121,058
baseline
▲ 0.50% · 4.625%
HK$127,440
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,116/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,006 · Scale 2, in force from 26 Feb 2026)