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$57,362
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,146
−HK$1,813/mo
Today · 4.125%
HK$60,959
baseline
▲ 0.50% · 4.625%
HK$64,668
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,918/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,814
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,526
−HK$1,736/mo
Today · 4.125%
HK$67,262
baseline
▲ 0.50% · 4.625%
HK$70,807
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,524/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,834
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,975
−HK$2,175/mo
Today · 4.125%
HK$73,150
baseline
▲ 0.50% · 4.625%
HK$77,601
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,300/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,577
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,631
−HK$2,083/mo
Today · 4.125%
HK$80,714
baseline
▲ 0.50% · 4.625%
HK$84,969
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,428/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,306
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,804
−HK$2,538/mo
Today · 4.125%
HK$85,342
baseline
▲ 0.50% · 4.625%
HK$90,535
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,684/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,340
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,736
−HK$2,431/mo
Today · 4.125%
HK$94,167
baseline
▲ 0.50% · 4.625%
HK$99,130
+HK$4,963/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,334/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,251
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,462
−HK$3,264/mo
Today · 4.125%
HK$109,726
baseline
▲ 0.50% · 4.625%
HK$116,402
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,452/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,865
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,946
−HK$3,125/mo
Today · 4.125%
HK$121,071
baseline
▲ 0.50% · 4.625%
HK$127,453
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,142/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,119 · Scale 2, in force from 26 Feb 2026)