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$57,244
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,025
−HK$1,809/mo
Today · 4.125%
HK$60,834
baseline
▲ 0.50% · 4.625%
HK$64,535
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,668/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,684
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,392
−HK$1,732/mo
Today · 4.125%
HK$67,124
baseline
▲ 0.50% · 4.625%
HK$70,662
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,248/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,693
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,830
−HK$2,171/mo
Today · 4.125%
HK$73,001
baseline
▲ 0.50% · 4.625%
HK$77,443
+HK$4,442/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$146,002/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,420
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,470
−HK$2,079/mo
Today · 4.125%
HK$80,549
baseline
▲ 0.50% · 4.625%
HK$84,795
+HK$4,246/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,098/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,142
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,635
−HK$2,532/mo
Today · 4.125%
HK$85,167
baseline
▲ 0.50% · 4.625%
HK$90,350
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,334/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,157
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,548
−HK$2,426/mo
Today · 4.125%
HK$93,974
baseline
▲ 0.50% · 4.625%
HK$98,927
+HK$4,953/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,948/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,039
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,245
−HK$3,256/mo
Today · 4.125%
HK$109,501
baseline
▲ 0.50% · 4.625%
HK$116,164
+HK$6,663/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$219,002/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,630
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,705
−HK$3,119/mo
Today · 4.125%
HK$120,824
baseline
▲ 0.50% · 4.625%
HK$127,192
+HK$6,368/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,648/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,932 · Scale 2, in force from 26 Feb 2026)