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$57,391
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,176
−HK$1,814/mo
Today · 4.125%
HK$60,990
baseline
▲ 0.50% · 4.625%
HK$64,701
+HK$3,711/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,980/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,847
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,559
−HK$1,738/mo
Today · 4.125%
HK$67,297
baseline
▲ 0.50% · 4.625%
HK$70,844
+HK$3,547/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,594/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,869
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,012
−HK$2,176/mo
Today · 4.125%
HK$73,188
baseline
▲ 0.50% · 4.625%
HK$77,641
+HK$4,453/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,376/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,616
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,671
−HK$2,085/mo
Today · 4.125%
HK$80,756
baseline
▲ 0.50% · 4.625%
HK$85,013
+HK$4,257/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,512/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,348
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,847
−HK$2,539/mo
Today · 4.125%
HK$85,386
baseline
▲ 0.50% · 4.625%
HK$90,582
+HK$5,196/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,772/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,386
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,783
−HK$2,432/mo
Today · 4.125%
HK$94,215
baseline
▲ 0.50% · 4.625%
HK$99,181
+HK$4,966/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,430/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,304
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,517
−HK$3,265/mo
Today · 4.125%
HK$109,782
baseline
▲ 0.50% · 4.625%
HK$116,462
+HK$6,680/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,564/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,925
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,007
−HK$3,127/mo
Today · 4.125%
HK$121,134
baseline
▲ 0.50% · 4.625%
HK$127,519
+HK$6,385/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,268/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,671 · Scale 2, in force from 26 Feb 2026)