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$57,326
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,109
−HK$1,812/mo
Today · 4.125%
HK$60,921
baseline
▲ 0.50% · 4.625%
HK$64,628
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,842/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,775
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,485
−HK$1,735/mo
Today · 4.125%
HK$67,220
baseline
▲ 0.50% · 4.625%
HK$70,764
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,440/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,791
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,931
−HK$2,174/mo
Today · 4.125%
HK$73,105
baseline
▲ 0.50% · 4.625%
HK$77,554
+HK$4,449/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$146,210/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,530
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,582
−HK$2,082/mo
Today · 4.125%
HK$80,664
baseline
▲ 0.50% · 4.625%
HK$84,916
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$161,328/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,257
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,753
−HK$2,537/mo
Today · 4.125%
HK$85,290
baseline
▲ 0.50% · 4.625%
HK$90,479
+HK$5,189/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,580/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,285
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,679
−HK$2,430/mo
Today · 4.125%
HK$94,109
baseline
▲ 0.50% · 4.625%
HK$99,069
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,218/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,187
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,397
−HK$3,261/mo
Today · 4.125%
HK$109,658
baseline
▲ 0.50% · 4.625%
HK$116,330
+HK$6,672/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,316/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,795
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,873
−HK$3,124/mo
Today · 4.125%
HK$120,997
baseline
▲ 0.50% · 4.625%
HK$127,375
+HK$6,378/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$241,994/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,461 · Scale 2, in force from 26 Feb 2026)