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$57,354
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,138
−HK$1,813/mo
Today · 4.125%
HK$60,951
baseline
▲ 0.50% · 4.625%
HK$64,659
+HK$3,708/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,902/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,068,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,806
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,517
−HK$1,736/mo
Today · 4.125%
HK$67,253
baseline
▲ 0.50% · 4.625%
HK$70,798
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,506/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,068,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,825
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,966
−HK$2,175/mo
Today · 4.125%
HK$73,141
baseline
▲ 0.50% · 4.625%
HK$77,591
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,282/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,567
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,620
−HK$2,084/mo
Today · 4.125%
HK$80,704
baseline
▲ 0.50% · 4.625%
HK$84,957
+HK$4,253/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,408/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,296
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,793
−HK$2,538/mo
Today · 4.125%
HK$85,331
baseline
▲ 0.50% · 4.625%
HK$90,523
+HK$5,192/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,662/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,328
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,724
−HK$2,430/mo
Today · 4.125%
HK$94,154
baseline
▲ 0.50% · 4.625%
HK$99,117
+HK$4,963/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,308/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,237
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,448
−HK$3,263/mo
Today · 4.125%
HK$109,711
baseline
▲ 0.50% · 4.625%
HK$116,387
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,422/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,850
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,930
−HK$3,125/mo
Today · 4.125%
HK$121,055
baseline
▲ 0.50% · 4.625%
HK$127,436
+HK$6,381/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,110/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,978 · Scale 2, in force from 26 Feb 2026)