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$57,324
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,107
−HK$1,812/mo
Today · 4.125%
HK$60,919
baseline
▲ 0.50% · 4.625%
HK$64,626
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,838/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,773
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,483
−HK$1,735/mo
Today · 4.125%
HK$67,218
baseline
▲ 0.50% · 4.625%
HK$70,761
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,436/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,789
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,929
−HK$2,174/mo
Today · 4.125%
HK$73,103
baseline
▲ 0.50% · 4.625%
HK$77,551
+HK$4,448/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$146,206/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,527
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,580
−HK$2,082/mo
Today · 4.125%
HK$80,662
baseline
▲ 0.50% · 4.625%
HK$84,914
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$161,324/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,254
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,750
−HK$2,537/mo
Today · 4.125%
HK$85,287
baseline
▲ 0.50% · 4.625%
HK$90,476
+HK$5,189/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,574/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,282
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,676
−HK$2,429/mo
Today · 4.125%
HK$94,105
baseline
▲ 0.50% · 4.625%
HK$99,066
+HK$4,961/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,210/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,184
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,393
−HK$3,261/mo
Today · 4.125%
HK$109,654
baseline
▲ 0.50% · 4.625%
HK$116,326
+HK$6,672/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,308/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,791
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,869
−HK$3,124/mo
Today · 4.125%
HK$120,993
baseline
▲ 0.50% · 4.625%
HK$127,370
+HK$6,377/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$241,986/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,425 · Scale 2, in force from 26 Feb 2026)