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$57,389
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,174
−HK$1,813/mo
Today · 4.125%
HK$60,987
baseline
▲ 0.50% · 4.625%
HK$64,698
+HK$3,711/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,974/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,844
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,557
−HK$1,737/mo
Today · 4.125%
HK$67,294
baseline
▲ 0.50% · 4.625%
HK$70,841
+HK$3,547/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,588/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,866
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,009
−HK$2,176/mo
Today · 4.125%
HK$73,185
baseline
▲ 0.50% · 4.625%
HK$77,638
+HK$4,453/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,370/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,613
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,668
−HK$2,084/mo
Today · 4.125%
HK$80,752
baseline
▲ 0.50% · 4.625%
HK$85,009
+HK$4,257/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,504/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,344
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,843
−HK$2,539/mo
Today · 4.125%
HK$85,382
baseline
▲ 0.50% · 4.625%
HK$90,578
+HK$5,196/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,764/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,382
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,779
−HK$2,432/mo
Today · 4.125%
HK$94,211
baseline
▲ 0.50% · 4.625%
HK$99,177
+HK$4,966/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,422/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,300
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,513
−HK$3,264/mo
Today · 4.125%
HK$109,777
baseline
▲ 0.50% · 4.625%
HK$116,457
+HK$6,680/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,554/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,920
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,002
−HK$3,127/mo
Today · 4.125%
HK$121,129
baseline
▲ 0.50% · 4.625%
HK$127,513
+HK$6,384/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,258/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,626 · Scale 2, in force from 26 Feb 2026)