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$57,380
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,165
−HK$1,814/mo
Today · 4.125%
HK$60,979
baseline
▲ 0.50% · 4.625%
HK$64,689
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,958/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,835
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,547
−HK$1,737/mo
Today · 4.125%
HK$67,284
baseline
▲ 0.50% · 4.625%
HK$70,830
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,568/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,856
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,998
−HK$2,176/mo
Today · 4.125%
HK$73,174
baseline
▲ 0.50% · 4.625%
HK$77,627
+HK$4,453/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,348/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,602
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,656
−HK$2,085/mo
Today · 4.125%
HK$80,741
baseline
▲ 0.50% · 4.625%
HK$84,997
+HK$4,256/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,482/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,332
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,831
−HK$2,539/mo
Today · 4.125%
HK$85,370
baseline
▲ 0.50% · 4.625%
HK$90,565
+HK$5,195/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,740/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,369
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,766
−HK$2,431/mo
Today · 4.125%
HK$94,197
baseline
▲ 0.50% · 4.625%
HK$99,163
+HK$4,966/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,394/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,285
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,497
−HK$3,264/mo
Today · 4.125%
HK$109,761
baseline
▲ 0.50% · 4.625%
HK$116,440
+HK$6,679/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,522/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,903
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,985
−HK$3,126/mo
Today · 4.125%
HK$121,111
baseline
▲ 0.50% · 4.625%
HK$127,495
+HK$6,384/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,222/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,469 · Scale 2, in force from 26 Feb 2026)