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$57,262
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,043
−HK$1,810/mo
Today · 4.125%
HK$60,853
baseline
▲ 0.50% · 4.625%
HK$64,555
+HK$3,702/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,706/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,703
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,412
−HK$1,733/mo
Today · 4.125%
HK$67,145
baseline
▲ 0.50% · 4.625%
HK$70,684
+HK$3,539/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,290/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,714
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,852
−HK$2,171/mo
Today · 4.125%
HK$73,023
baseline
▲ 0.50% · 4.625%
HK$77,466
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$146,046/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,444
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,494
−HK$2,080/mo
Today · 4.125%
HK$80,574
baseline
▲ 0.50% · 4.625%
HK$84,821
+HK$4,247/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$161,148/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,167
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,660
−HK$2,534/mo
Today · 4.125%
HK$85,194
baseline
▲ 0.50% · 4.625%
HK$90,378
+HK$5,184/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,388/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,184
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,576
−HK$2,427/mo
Today · 4.125%
HK$94,003
baseline
▲ 0.50% · 4.625%
HK$98,958
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$188,006/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,071
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$106,277
−HK$3,258/mo
Today · 4.125%
HK$109,535
baseline
▲ 0.50% · 4.625%
HK$116,200
+HK$6,665/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,070/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,666
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,741
−HK$3,120/mo
Today · 4.125%
HK$120,861
baseline
▲ 0.50% · 4.625%
HK$127,232
+HK$6,371/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,722/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,261 · Scale 2, in force from 26 Feb 2026)