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$57,310
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,092
−HK$1,811/mo
Today · 4.125%
HK$60,903
baseline
▲ 0.50% · 4.625%
HK$64,609
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,806/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,756
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,466
−HK$1,735/mo
Today · 4.125%
HK$67,201
baseline
▲ 0.50% · 4.625%
HK$70,743
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,402/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,772
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,911
−HK$2,173/mo
Today · 4.125%
HK$73,084
baseline
▲ 0.50% · 4.625%
HK$77,531
+HK$4,447/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,168/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,508
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,560
−HK$2,081/mo
Today · 4.125%
HK$80,641
baseline
▲ 0.50% · 4.625%
HK$84,892
+HK$4,251/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,282/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,233
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,729
−HK$2,536/mo
Today · 4.125%
HK$85,265
baseline
▲ 0.50% · 4.625%
HK$90,453
+HK$5,188/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,530/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,259
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,653
−HK$2,428/mo
Today · 4.125%
HK$94,081
baseline
▲ 0.50% · 4.625%
HK$99,040
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,162/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,157
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,366
−HK$3,260/mo
Today · 4.125%
HK$109,626
baseline
▲ 0.50% · 4.625%
HK$116,297
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,252/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,761
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,839
−HK$3,123/mo
Today · 4.125%
HK$120,962
baseline
▲ 0.50% · 4.625%
HK$127,338
+HK$6,376/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,924/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,151 · Scale 2, in force from 26 Feb 2026)