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$57,400
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,185
−HK$1,814/mo
Today · 4.125%
HK$60,999
baseline
▲ 0.50% · 4.625%
HK$64,711
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$121,998/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,857
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,570
−HK$1,737/mo
Today · 4.125%
HK$67,307
baseline
▲ 0.50% · 4.625%
HK$70,855
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,614/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,880
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,023
−HK$2,176/mo
Today · 4.125%
HK$73,199
baseline
▲ 0.50% · 4.625%
HK$77,653
+HK$4,454/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,398/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,628
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,683
−HK$2,085/mo
Today · 4.125%
HK$80,768
baseline
▲ 0.50% · 4.625%
HK$85,026
+HK$4,258/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,536/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,360
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,860
−HK$2,539/mo
Today · 4.125%
HK$85,399
baseline
▲ 0.50% · 4.625%
HK$90,596
+HK$5,197/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,798/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,400
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,797
−HK$2,433/mo
Today · 4.125%
HK$94,230
baseline
▲ 0.50% · 4.625%
HK$99,197
+HK$4,967/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,460/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,320
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,534
−HK$3,265/mo
Today · 4.125%
HK$109,799
baseline
▲ 0.50% · 4.625%
HK$116,480
+HK$6,681/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$219,598/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,942
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,025
−HK$3,127/mo
Today · 4.125%
HK$121,152
baseline
▲ 0.50% · 4.625%
HK$127,539
+HK$6,387/mo
Deposit HK$2.52M · loan HK$22.66M · min. income ≈ HK$242,304/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,836 · Scale 2, in force from 26 Feb 2026)