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$57,277
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,059
−HK$1,810/mo
Today · 4.125%
HK$60,869
baseline
▲ 0.50% · 4.625%
HK$64,573
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,738/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,720
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,429
−HK$1,734/mo
Today · 4.125%
HK$67,163
baseline
▲ 0.50% · 4.625%
HK$70,703
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,326/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,733
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,871
−HK$2,172/mo
Today · 4.125%
HK$73,043
baseline
▲ 0.50% · 4.625%
HK$77,487
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,086/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,464
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,515
−HK$2,081/mo
Today · 4.125%
HK$80,596
baseline
▲ 0.50% · 4.625%
HK$84,844
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,192/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,188
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,682
−HK$2,535/mo
Today · 4.125%
HK$85,217
baseline
▲ 0.50% · 4.625%
HK$90,402
+HK$5,185/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,434/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,209
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,601
−HK$2,427/mo
Today · 4.125%
HK$94,028
baseline
▲ 0.50% · 4.625%
HK$98,985
+HK$4,957/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,056/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,099
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,306
−HK$3,258/mo
Today · 4.125%
HK$109,564
baseline
▲ 0.50% · 4.625%
HK$116,231
+HK$6,667/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,128/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,697
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,773
−HK$3,120/mo
Today · 4.125%
HK$120,893
baseline
▲ 0.50% · 4.625%
HK$127,266
+HK$6,373/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,786/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,548 · Scale 2, in force from 26 Feb 2026)