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$57,327
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,110
−HK$1,812/mo
Today · 4.125%
HK$60,922
baseline
▲ 0.50% · 4.625%
HK$64,628
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,844/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,775
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,486
−HK$1,735/mo
Today · 4.125%
HK$67,221
baseline
▲ 0.50% · 4.625%
HK$70,764
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,442/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,792
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,932
−HK$2,174/mo
Today · 4.125%
HK$73,106
baseline
▲ 0.50% · 4.625%
HK$77,554
+HK$4,448/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$146,212/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,530
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,583
−HK$2,082/mo
Today · 4.125%
HK$80,665
baseline
▲ 0.50% · 4.625%
HK$84,917
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$161,330/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,257
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,754
−HK$2,536/mo
Today · 4.125%
HK$85,290
baseline
▲ 0.50% · 4.625%
HK$90,480
+HK$5,190/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,580/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,285
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,680
−HK$2,429/mo
Today · 4.125%
HK$94,109
baseline
▲ 0.50% · 4.625%
HK$99,070
+HK$4,961/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,218/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,188
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,398
−HK$3,261/mo
Today · 4.125%
HK$109,659
baseline
▲ 0.50% · 4.625%
HK$116,331
+HK$6,672/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,318/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,796
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,874
−HK$3,124/mo
Today · 4.125%
HK$120,998
baseline
▲ 0.50% · 4.625%
HK$127,376
+HK$6,378/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$241,996/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,469 · Scale 2, in force from 26 Feb 2026)