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$57,294
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,076
−HK$1,811/mo
Today · 4.125%
HK$60,887
baseline
▲ 0.50% · 4.625%
HK$64,592
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,774/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,739
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,449
−HK$1,734/mo
Today · 4.125%
HK$67,183
baseline
▲ 0.50% · 4.625%
HK$70,724
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,366/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,753
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,891
−HK$2,173/mo
Today · 4.125%
HK$73,064
baseline
▲ 0.50% · 4.625%
HK$77,510
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,128/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,487
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,538
−HK$2,081/mo
Today · 4.125%
HK$80,619
baseline
▲ 0.50% · 4.625%
HK$84,869
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,238/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,212
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,707
−HK$2,535/mo
Today · 4.125%
HK$85,242
baseline
▲ 0.50% · 4.625%
HK$90,428
+HK$5,186/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,484/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,235
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,628
−HK$2,428/mo
Today · 4.125%
HK$94,056
baseline
▲ 0.50% · 4.625%
HK$99,014
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,112/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,129
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,337
−HK$3,259/mo
Today · 4.125%
HK$109,596
baseline
▲ 0.50% · 4.625%
HK$116,265
+HK$6,669/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,192/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,730
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,807
−HK$3,122/mo
Today · 4.125%
HK$120,929
baseline
▲ 0.50% · 4.625%
HK$127,303
+HK$6,374/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,858/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,862 · Scale 2, in force from 26 Feb 2026)