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$57,319
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,102
−HK$1,811/mo
Today · 4.125%
HK$60,913
baseline
▲ 0.50% · 4.625%
HK$64,620
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,826/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,767
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,477
−HK$1,735/mo
Today · 4.125%
HK$67,212
baseline
▲ 0.50% · 4.625%
HK$70,755
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,424/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,783
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,922
−HK$2,174/mo
Today · 4.125%
HK$73,096
baseline
▲ 0.50% · 4.625%
HK$77,544
+HK$4,448/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,192/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,520
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,572
−HK$2,082/mo
Today · 4.125%
HK$80,654
baseline
▲ 0.50% · 4.625%
HK$84,905
+HK$4,251/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,308/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,246
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,742
−HK$2,536/mo
Today · 4.125%
HK$85,278
baseline
▲ 0.50% · 4.625%
HK$90,467
+HK$5,189/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,556/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,273
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,668
−HK$2,428/mo
Today · 4.125%
HK$94,096
baseline
▲ 0.50% · 4.625%
HK$99,056
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,192/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,174
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,383
−HK$3,261/mo
Today · 4.125%
HK$109,644
baseline
▲ 0.50% · 4.625%
HK$116,315
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,288/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,780
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,858
−HK$3,123/mo
Today · 4.125%
HK$120,981
baseline
▲ 0.50% · 4.625%
HK$127,358
+HK$6,377/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,962/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,323 · Scale 2, in force from 26 Feb 2026)