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$57,360
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,144
−HK$1,813/mo
Today · 4.125%
HK$60,957
baseline
▲ 0.50% · 4.625%
HK$64,666
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,914/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,812
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,523
−HK$1,737/mo
Today · 4.125%
HK$67,260
baseline
▲ 0.50% · 4.625%
HK$70,805
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,520/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,831
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,973
−HK$2,175/mo
Today · 4.125%
HK$73,148
baseline
▲ 0.50% · 4.625%
HK$77,599
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,296/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,574
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,628
−HK$2,083/mo
Today · 4.125%
HK$80,711
baseline
▲ 0.50% · 4.625%
HK$84,966
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,422/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,303
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,801
−HK$2,538/mo
Today · 4.125%
HK$85,339
baseline
▲ 0.50% · 4.625%
HK$90,532
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,678/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,337
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,733
−HK$2,430/mo
Today · 4.125%
HK$94,163
baseline
▲ 0.50% · 4.625%
HK$99,127
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,326/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,247
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,459
−HK$3,263/mo
Today · 4.125%
HK$109,722
baseline
▲ 0.50% · 4.625%
HK$116,398
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,444/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,862
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,942
−HK$3,125/mo
Today · 4.125%
HK$121,067
baseline
▲ 0.50% · 4.625%
HK$127,449
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,134/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,083 · Scale 2, in force from 26 Feb 2026)