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$57,334
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,117
−HK$1,812/mo
Today · 4.125%
HK$60,929
baseline
▲ 0.50% · 4.625%
HK$64,636
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,858/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,783
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,494
−HK$1,735/mo
Today · 4.125%
HK$67,229
baseline
▲ 0.50% · 4.625%
HK$70,773
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,458/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,800
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,940
−HK$2,175/mo
Today · 4.125%
HK$73,115
baseline
▲ 0.50% · 4.625%
HK$77,564
+HK$4,449/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,230/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,540
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,592
−HK$2,083/mo
Today · 4.125%
HK$80,675
baseline
▲ 0.50% · 4.625%
HK$84,927
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,350/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,267
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,764
−HK$2,536/mo
Today · 4.125%
HK$85,300
baseline
▲ 0.50% · 4.625%
HK$90,491
+HK$5,191/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,600/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,296
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,691
−HK$2,430/mo
Today · 4.125%
HK$94,121
baseline
▲ 0.50% · 4.625%
HK$99,082
+HK$4,961/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,242/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,200
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,411
−HK$3,261/mo
Today · 4.125%
HK$109,672
baseline
▲ 0.50% · 4.625%
HK$116,345
+HK$6,673/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,344/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,809
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,889
−HK$3,123/mo
Today · 4.125%
HK$121,012
baseline
▲ 0.50% · 4.625%
HK$127,391
+HK$6,379/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,024/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,599 · Scale 2, in force from 26 Feb 2026)