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$57,292
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,075
−HK$1,810/mo
Today · 4.125%
HK$60,885
baseline
▲ 0.50% · 4.625%
HK$64,590
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,770/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,737
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,447
−HK$1,734/mo
Today · 4.125%
HK$67,181
baseline
▲ 0.50% · 4.625%
HK$70,722
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,362/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,751
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,890
−HK$2,172/mo
Today · 4.125%
HK$73,062
baseline
▲ 0.50% · 4.625%
HK$77,508
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,124/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,485
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,536
−HK$2,081/mo
Today · 4.125%
HK$80,617
baseline
▲ 0.50% · 4.625%
HK$84,866
+HK$4,249/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,234/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,209
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,704
−HK$2,535/mo
Today · 4.125%
HK$85,239
baseline
▲ 0.50% · 4.625%
HK$90,426
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,478/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,232
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,625
−HK$2,428/mo
Today · 4.125%
HK$94,053
baseline
▲ 0.50% · 4.625%
HK$99,011
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,106/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,126
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,334
−HK$3,259/mo
Today · 4.125%
HK$109,593
baseline
▲ 0.50% · 4.625%
HK$116,262
+HK$6,669/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,186/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,727
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,804
−HK$3,121/mo
Today · 4.125%
HK$120,925
baseline
▲ 0.50% · 4.625%
HK$127,300
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,850/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,832 · Scale 2, in force from 26 Feb 2026)