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$57,275
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,056
−HK$1,810/mo
Today · 4.125%
HK$60,866
baseline
▲ 0.50% · 4.625%
HK$64,570
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,732/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,717
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,426
−HK$1,734/mo
Today · 4.125%
HK$67,160
baseline
▲ 0.50% · 4.625%
HK$70,700
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,320/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,730
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,867
−HK$2,173/mo
Today · 4.125%
HK$73,040
baseline
▲ 0.50% · 4.625%
HK$77,484
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,080/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,461
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,512
−HK$2,080/mo
Today · 4.125%
HK$80,592
baseline
▲ 0.50% · 4.625%
HK$84,840
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,184/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,184
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,679
−HK$2,534/mo
Today · 4.125%
HK$85,213
baseline
▲ 0.50% · 4.625%
HK$90,398
+HK$5,185/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,426/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,204
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,597
−HK$2,427/mo
Today · 4.125%
HK$94,024
baseline
▲ 0.50% · 4.625%
HK$98,980
+HK$4,956/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,048/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,094
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,301
−HK$3,258/mo
Today · 4.125%
HK$109,559
baseline
▲ 0.50% · 4.625%
HK$116,226
+HK$6,667/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,118/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,691
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,767
−HK$3,121/mo
Today · 4.125%
HK$120,888
baseline
▲ 0.50% · 4.625%
HK$127,260
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,776/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,500 · Scale 2, in force from 26 Feb 2026)