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$57,280
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,062
−HK$1,810/mo
Today · 4.125%
HK$60,872
baseline
▲ 0.50% · 4.625%
HK$64,576
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,744/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,724
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,433
−HK$1,733/mo
Today · 4.125%
HK$67,166
baseline
▲ 0.50% · 4.625%
HK$70,707
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,332/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,736
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,874
−HK$2,173/mo
Today · 4.125%
HK$73,047
baseline
▲ 0.50% · 4.625%
HK$77,491
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,094/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,468
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,519
−HK$2,081/mo
Today · 4.125%
HK$80,600
baseline
▲ 0.50% · 4.625%
HK$84,848
+HK$4,248/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,200/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,192
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,687
−HK$2,534/mo
Today · 4.125%
HK$85,221
baseline
▲ 0.50% · 4.625%
HK$90,406
+HK$5,185/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,442/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,213
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,606
−HK$2,427/mo
Today · 4.125%
HK$94,033
baseline
▲ 0.50% · 4.625%
HK$98,989
+HK$4,956/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,066/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,104
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,311
−HK$3,259/mo
Today · 4.125%
HK$109,570
baseline
▲ 0.50% · 4.625%
HK$116,237
+HK$6,667/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,140/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,702
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,779
−HK$3,120/mo
Today · 4.125%
HK$120,899
baseline
▲ 0.50% · 4.625%
HK$127,272
+HK$6,373/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,798/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,602 · Scale 2, in force from 26 Feb 2026)