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$57,305
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,088
−HK$1,811/mo
Today · 4.125%
HK$60,899
baseline
▲ 0.50% · 4.625%
HK$64,604
+HK$3,705/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,798/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,752
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,461
−HK$1,735/mo
Today · 4.125%
HK$67,196
baseline
▲ 0.50% · 4.625%
HK$70,738
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,392/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,766
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,905
−HK$2,174/mo
Today · 4.125%
HK$73,079
baseline
▲ 0.50% · 4.625%
HK$77,525
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,158/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,502
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,554
−HK$2,081/mo
Today · 4.125%
HK$80,635
baseline
▲ 0.50% · 4.625%
HK$84,885
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,270/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,227
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,723
−HK$2,535/mo
Today · 4.125%
HK$85,258
baseline
▲ 0.50% · 4.625%
HK$90,446
+HK$5,188/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,516/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,252
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,646
−HK$2,428/mo
Today · 4.125%
HK$94,074
baseline
▲ 0.50% · 4.625%
HK$99,033
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,148/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,150
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,358
−HK$3,260/mo
Today · 4.125%
HK$109,618
baseline
▲ 0.50% · 4.625%
HK$116,288
+HK$6,670/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,236/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,753
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,831
−HK$3,122/mo
Today · 4.125%
HK$120,953
baseline
▲ 0.50% · 4.625%
HK$127,328
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,906/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,072 · Scale 2, in force from 26 Feb 2026)