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$57,322
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,106
−HK$1,811/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,624
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,771
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,481
−HK$1,735/mo
Today · 4.125%
HK$67,216
baseline
▲ 0.50% · 4.625%
HK$70,759
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,432/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,787
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,927
−HK$2,174/mo
Today · 4.125%
HK$73,101
baseline
▲ 0.50% · 4.625%
HK$77,549
+HK$4,448/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$146,202/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,525
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,577
−HK$2,082/mo
Today · 4.125%
HK$80,659
baseline
▲ 0.50% · 4.625%
HK$84,911
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$161,318/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,251
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,748
−HK$2,536/mo
Today · 4.125%
HK$85,284
baseline
▲ 0.50% · 4.625%
HK$90,473
+HK$5,189/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,568/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,279
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,673
−HK$2,429/mo
Today · 4.125%
HK$94,102
baseline
▲ 0.50% · 4.625%
HK$99,063
+HK$4,961/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,204/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,180
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,390
−HK$3,261/mo
Today · 4.125%
HK$109,651
baseline
▲ 0.50% · 4.625%
HK$116,323
+HK$6,672/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,302/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,787
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,866
−HK$3,123/mo
Today · 4.125%
HK$120,989
baseline
▲ 0.50% · 4.625%
HK$127,366
+HK$6,377/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,978/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,392 · Scale 2, in force from 26 Feb 2026)