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$57,278
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,060
−HK$1,810/mo
Today · 4.125%
HK$60,870
baseline
▲ 0.50% · 4.625%
HK$64,574
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,740/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,722
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,431
−HK$1,733/mo
Today · 4.125%
HK$67,164
baseline
▲ 0.50% · 4.625%
HK$70,705
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,328/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,734
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,872
−HK$2,172/mo
Today · 4.125%
HK$73,044
baseline
▲ 0.50% · 4.625%
HK$77,489
+HK$4,445/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,088/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,466
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,517
−HK$2,080/mo
Today · 4.125%
HK$80,597
baseline
▲ 0.50% · 4.625%
HK$84,845
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,194/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,190
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,684
−HK$2,534/mo
Today · 4.125%
HK$85,218
baseline
▲ 0.50% · 4.625%
HK$90,404
+HK$5,186/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,436/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,210
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,603
−HK$2,427/mo
Today · 4.125%
HK$94,030
baseline
▲ 0.50% · 4.625%
HK$98,986
+HK$4,956/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,060/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,101
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,308
−HK$3,258/mo
Today · 4.125%
HK$109,566
baseline
▲ 0.50% · 4.625%
HK$116,233
+HK$6,667/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,132/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,699
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,775
−HK$3,121/mo
Today · 4.125%
HK$120,896
baseline
▲ 0.50% · 4.625%
HK$127,268
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,792/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,569 · Scale 2, in force from 26 Feb 2026)