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$57,301
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,083
−HK$1,811/mo
Today · 4.125%
HK$60,894
baseline
▲ 0.50% · 4.625%
HK$64,599
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,788/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,746
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,456
−HK$1,734/mo
Today · 4.125%
HK$67,190
baseline
▲ 0.50% · 4.625%
HK$70,732
+HK$3,542/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,380/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,761
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,900
−HK$2,173/mo
Today · 4.125%
HK$73,073
baseline
▲ 0.50% · 4.625%
HK$77,519
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,146/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,496
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,547
−HK$2,081/mo
Today · 4.125%
HK$80,628
baseline
▲ 0.50% · 4.625%
HK$84,878
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,256/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,221
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,716
−HK$2,535/mo
Today · 4.125%
HK$85,251
baseline
▲ 0.50% · 4.625%
HK$90,439
+HK$5,188/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,502/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,245
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,638
−HK$2,429/mo
Today · 4.125%
HK$94,067
baseline
▲ 0.50% · 4.625%
HK$99,025
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,134/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,141
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,349
−HK$3,260/mo
Today · 4.125%
HK$109,609
baseline
▲ 0.50% · 4.625%
HK$116,278
+HK$6,669/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,218/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,743
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,821
−HK$3,122/mo
Today · 4.125%
HK$120,943
baseline
▲ 0.50% · 4.625%
HK$127,318
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,886/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,984 · Scale 2, in force from 26 Feb 2026)