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$57,386
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,171
−HK$1,814/mo
Today · 4.125%
HK$60,985
baseline
▲ 0.50% · 4.625%
HK$64,695
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,970/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,841
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,554
−HK$1,737/mo
Today · 4.125%
HK$67,291
baseline
▲ 0.50% · 4.625%
HK$70,838
+HK$3,547/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,582/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,863
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,005
−HK$2,177/mo
Today · 4.125%
HK$73,182
baseline
▲ 0.50% · 4.625%
HK$77,635
+HK$4,453/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,364/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,610
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,664
−HK$2,085/mo
Today · 4.125%
HK$80,749
baseline
▲ 0.50% · 4.625%
HK$85,005
+HK$4,256/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,498/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,341
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,840
−HK$2,539/mo
Today · 4.125%
HK$85,379
baseline
▲ 0.50% · 4.625%
HK$90,574
+HK$5,195/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,758/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,378
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,775
−HK$2,432/mo
Today · 4.125%
HK$94,207
baseline
▲ 0.50% · 4.625%
HK$99,173
+HK$4,966/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,414/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,295
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,508
−HK$3,264/mo
Today · 4.125%
HK$109,772
baseline
▲ 0.50% · 4.625%
HK$116,452
+HK$6,680/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,544/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,915
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,997
−HK$3,126/mo
Today · 4.125%
HK$121,123
baseline
▲ 0.50% · 4.625%
HK$127,508
+HK$6,385/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,246/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,577 · Scale 2, in force from 26 Feb 2026)