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$57,261
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,042
−HK$1,809/mo
Today · 4.125%
HK$60,851
baseline
▲ 0.50% · 4.625%
HK$64,554
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,702/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,702
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,410
−HK$1,734/mo
Today · 4.125%
HK$67,144
baseline
▲ 0.50% · 4.625%
HK$70,683
+HK$3,539/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,288/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,713
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,850
−HK$2,172/mo
Today · 4.125%
HK$73,022
baseline
▲ 0.50% · 4.625%
HK$77,465
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$146,044/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,442
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,492
−HK$2,080/mo
Today · 4.125%
HK$80,572
baseline
▲ 0.50% · 4.625%
HK$84,819
+HK$4,247/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$161,144/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,165
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,659
−HK$2,533/mo
Today · 4.125%
HK$85,192
baseline
▲ 0.50% · 4.625%
HK$90,376
+HK$5,184/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,384/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,183
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,575
−HK$2,426/mo
Today · 4.125%
HK$94,001
baseline
▲ 0.50% · 4.625%
HK$98,956
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$188,002/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,069
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$106,275
−HK$3,258/mo
Today · 4.125%
HK$109,533
baseline
▲ 0.50% · 4.625%
HK$116,197
+HK$6,664/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,066/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,663
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,739
−HK$3,119/mo
Today · 4.125%
HK$120,858
baseline
▲ 0.50% · 4.625%
HK$127,229
+HK$6,371/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,716/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,240 · Scale 2, in force from 26 Feb 2026)