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$57,321
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,104
−HK$1,812/mo
Today · 4.125%
HK$60,916
baseline
▲ 0.50% · 4.625%
HK$64,622
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,832/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,769
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,480
−HK$1,735/mo
Today · 4.125%
HK$67,215
baseline
▲ 0.50% · 4.625%
HK$70,758
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,430/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,786
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,925
−HK$2,174/mo
Today · 4.125%
HK$73,099
baseline
▲ 0.50% · 4.625%
HK$77,547
+HK$4,448/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$146,198/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,523
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,576
−HK$2,082/mo
Today · 4.125%
HK$80,658
baseline
▲ 0.50% · 4.625%
HK$84,909
+HK$4,251/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$161,316/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,250
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,746
−HK$2,536/mo
Today · 4.125%
HK$85,282
baseline
▲ 0.50% · 4.625%
HK$90,471
+HK$5,189/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,564/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,277
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,672
−HK$2,429/mo
Today · 4.125%
HK$94,101
baseline
▲ 0.50% · 4.625%
HK$99,061
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,202/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,178
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,388
−HK$3,261/mo
Today · 4.125%
HK$109,649
baseline
▲ 0.50% · 4.625%
HK$116,320
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,298/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,785
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,863
−HK$3,123/mo
Today · 4.125%
HK$120,986
baseline
▲ 0.50% · 4.625%
HK$127,364
+HK$6,378/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,972/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,370 · Scale 2, in force from 26 Feb 2026)