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$57,358
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,142
−HK$1,813/mo
Today · 4.125%
HK$60,955
baseline
▲ 0.50% · 4.625%
HK$64,663
+HK$3,708/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,910/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,810
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,521
−HK$1,736/mo
Today · 4.125%
HK$67,257
baseline
▲ 0.50% · 4.625%
HK$70,803
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,514/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,829
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,970
−HK$2,175/mo
Today · 4.125%
HK$73,145
baseline
▲ 0.50% · 4.625%
HK$77,596
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,290/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,572
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,625
−HK$2,084/mo
Today · 4.125%
HK$80,709
baseline
▲ 0.50% · 4.625%
HK$84,963
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,418/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,301
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,799
−HK$2,537/mo
Today · 4.125%
HK$85,336
baseline
▲ 0.50% · 4.625%
HK$90,529
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,672/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,334
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,730
−HK$2,430/mo
Today · 4.125%
HK$94,160
baseline
▲ 0.50% · 4.625%
HK$99,124
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,320/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,244
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,455
−HK$3,263/mo
Today · 4.125%
HK$109,718
baseline
▲ 0.50% · 4.625%
HK$116,394
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,436/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,858
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,938
−HK$3,125/mo
Today · 4.125%
HK$121,063
baseline
▲ 0.50% · 4.625%
HK$127,445
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,126/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,048 · Scale 2, in force from 26 Feb 2026)