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$57,315
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,098
−HK$1,812/mo
Today · 4.125%
HK$60,910
baseline
▲ 0.50% · 4.625%
HK$64,616
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,820/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,763
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,473
−HK$1,735/mo
Today · 4.125%
HK$67,208
baseline
▲ 0.50% · 4.625%
HK$70,750
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,416/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,778
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,918
−HK$2,173/mo
Today · 4.125%
HK$73,091
baseline
▲ 0.50% · 4.625%
HK$77,539
+HK$4,448/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,182/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,515
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,567
−HK$2,082/mo
Today · 4.125%
HK$80,649
baseline
▲ 0.50% · 4.625%
HK$84,900
+HK$4,251/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,298/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,242
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,738
−HK$2,535/mo
Today · 4.125%
HK$85,273
baseline
▲ 0.50% · 4.625%
HK$90,462
+HK$5,189/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,546/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,268
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,662
−HK$2,429/mo
Today · 4.125%
HK$94,091
baseline
▲ 0.50% · 4.625%
HK$99,050
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,182/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,168
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,377
−HK$3,260/mo
Today · 4.125%
HK$109,637
baseline
▲ 0.50% · 4.625%
HK$116,308
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,274/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,773
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,851
−HK$3,123/mo
Today · 4.125%
HK$120,974
baseline
▲ 0.50% · 4.625%
HK$127,351
+HK$6,377/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,948/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,259 · Scale 2, in force from 26 Feb 2026)