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$59,177
−HK$1,813/mo
Today · 4.125%
HK$60,990
baseline
▲ 0.50% · 4.625%
HK$64,702
+HK$3,712/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$1,069,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,847
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,560
−HK$1,737/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$1,069,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,870
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,012
−HK$2,176/mo
Today · 4.125%
HK$73,188
baseline
▲ 0.50% · 4.625%
HK$77,642
+HK$4,454/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$1,069,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,617
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,672
−HK$2,084/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$1,069,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,348
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,847
−HK$2,540/mo
Today · 4.125%
HK$85,387
baseline
▲ 0.50% · 4.625%
HK$90,582
+HK$5,195/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,774/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,386
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,784
−HK$2,432/mo
Today · 4.125%
HK$94,216
baseline
▲ 0.50% · 4.625%
HK$99,182
+HK$4,966/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,432/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,305
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,518
−HK$3,265/mo
Today · 4.125%
HK$109,783
baseline
▲ 0.50% · 4.625%
HK$116,463
+HK$6,680/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,566/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,925
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,008
−HK$3,126/mo
Today · 4.125%
HK$121,134
baseline
▲ 0.50% · 4.625%
HK$127,520
+HK$6,386/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$1,069,677 · Scale 2, in force from 26 Feb 2026)