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$57,375
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,160
−HK$1,813/mo
Today · 4.125%
HK$60,973
baseline
▲ 0.50% · 4.625%
HK$64,683
+HK$3,710/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,946/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,829
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,541
−HK$1,736/mo
Today · 4.125%
HK$67,277
baseline
▲ 0.50% · 4.625%
HK$70,824
+HK$3,547/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,554/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,850
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,992
−HK$2,175/mo
Today · 4.125%
HK$73,167
baseline
▲ 0.50% · 4.625%
HK$77,619
+HK$4,452/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$146,334/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,595
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,649
−HK$2,084/mo
Today · 4.125%
HK$80,733
baseline
▲ 0.50% · 4.625%
HK$84,989
+HK$4,256/mo
Deposit HK$10.06M · loan HK$15.10M · min. income ≈ HK$161,466/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,325
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,823
−HK$2,539/mo
Today · 4.125%
HK$85,362
baseline
▲ 0.50% · 4.625%
HK$90,556
+HK$5,194/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,724/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,361
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,757
−HK$2,431/mo
Today · 4.125%
HK$94,188
baseline
▲ 0.50% · 4.625%
HK$99,153
+HK$4,965/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,376/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,275
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,487
−HK$3,264/mo
Today · 4.125%
HK$109,751
baseline
▲ 0.50% · 4.625%
HK$116,429
+HK$6,678/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,502/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,892
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,974
−HK$3,125/mo
Today · 4.125%
HK$121,099
baseline
▲ 0.50% · 4.625%
HK$127,483
+HK$6,384/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,198/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,369 · Scale 2, in force from 26 Feb 2026)