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$57,371
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,155
−HK$1,813/mo
Today · 4.125%
HK$60,968
baseline
▲ 0.50% · 4.625%
HK$64,678
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,936/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,824
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,536
−HK$1,737/mo
Today · 4.125%
HK$67,273
baseline
▲ 0.50% · 4.625%
HK$70,819
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,546/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,845
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,986
−HK$2,176/mo
Today · 4.125%
HK$73,162
baseline
▲ 0.50% · 4.625%
HK$77,614
+HK$4,452/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$146,324/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,589
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,643
−HK$2,084/mo
Today · 4.125%
HK$80,727
baseline
▲ 0.50% · 4.625%
HK$84,982
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$161,454/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,319
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,817
−HK$2,539/mo
Today · 4.125%
HK$85,356
baseline
▲ 0.50% · 4.625%
HK$90,549
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,712/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,354
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,750
−HK$2,432/mo
Today · 4.125%
HK$94,182
baseline
▲ 0.50% · 4.625%
HK$99,146
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,364/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,267
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,479
−HK$3,264/mo
Today · 4.125%
HK$109,743
baseline
▲ 0.50% · 4.625%
HK$116,421
+HK$6,678/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,486/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,884
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,965
−HK$3,126/mo
Today · 4.125%
HK$121,091
baseline
▲ 0.50% · 4.625%
HK$127,473
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,182/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,289 · Scale 2, in force from 26 Feb 2026)