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$57,342
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,126
−HK$1,812/mo
Today · 4.125%
HK$60,938
baseline
▲ 0.50% · 4.625%
HK$64,646
+HK$3,708/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,876/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,792
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,503
−HK$1,736/mo
Today · 4.125%
HK$67,239
baseline
▲ 0.50% · 4.625%
HK$70,783
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,478/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,810
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,951
−HK$2,174/mo
Today · 4.125%
HK$73,125
baseline
▲ 0.50% · 4.625%
HK$77,575
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,250/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,551
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,604
−HK$2,083/mo
Today · 4.125%
HK$80,687
baseline
▲ 0.50% · 4.625%
HK$84,940
+HK$4,253/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,374/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,279
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,776
−HK$2,537/mo
Today · 4.125%
HK$85,313
baseline
▲ 0.50% · 4.625%
HK$90,504
+HK$5,191/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,626/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,309
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,704
−HK$2,430/mo
Today · 4.125%
HK$94,134
baseline
▲ 0.50% · 4.625%
HK$99,096
+HK$4,962/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,268/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,215
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,426
−HK$3,262/mo
Today · 4.125%
HK$109,688
baseline
▲ 0.50% · 4.625%
HK$116,362
+HK$6,674/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,376/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,826
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,906
−HK$3,124/mo
Today · 4.125%
HK$121,030
baseline
▲ 0.50% · 4.625%
HK$127,410
+HK$6,380/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,060/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,754 · Scale 2, in force from 26 Feb 2026)