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$57,374
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,159
−HK$1,813/mo
Today · 4.125%
HK$60,972
baseline
▲ 0.50% · 4.625%
HK$64,682
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,944/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,828
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,540
−HK$1,736/mo
Today · 4.125%
HK$67,276
baseline
▲ 0.50% · 4.625%
HK$70,822
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,552/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,849
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,990
−HK$2,176/mo
Today · 4.125%
HK$73,166
baseline
▲ 0.50% · 4.625%
HK$77,618
+HK$4,452/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$146,332/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,593
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,648
−HK$2,084/mo
Today · 4.125%
HK$80,732
baseline
▲ 0.50% · 4.625%
HK$84,987
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$161,464/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,323
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,822
−HK$2,538/mo
Today · 4.125%
HK$85,360
baseline
▲ 0.50% · 4.625%
HK$90,554
+HK$5,194/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,720/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,359
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,756
−HK$2,431/mo
Today · 4.125%
HK$94,187
baseline
▲ 0.50% · 4.625%
HK$99,151
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,374/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,273
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,485
−HK$3,264/mo
Today · 4.125%
HK$109,749
baseline
▲ 0.50% · 4.625%
HK$116,427
+HK$6,678/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,498/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,890
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,971
−HK$3,126/mo
Today · 4.125%
HK$121,097
baseline
▲ 0.50% · 4.625%
HK$127,480
+HK$6,383/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,194/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,349 · Scale 2, in force from 26 Feb 2026)