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$57,327
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,111
−HK$1,811/mo
Today · 4.125%
HK$60,922
baseline
▲ 0.50% · 4.625%
HK$64,629
+HK$3,707/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,844/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,776
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,487
−HK$1,735/mo
Today · 4.125%
HK$67,222
baseline
▲ 0.50% · 4.625%
HK$70,765
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,444/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,793
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,933
−HK$2,174/mo
Today · 4.125%
HK$73,107
baseline
▲ 0.50% · 4.625%
HK$77,555
+HK$4,448/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$146,214/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,531
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,584
−HK$2,082/mo
Today · 4.125%
HK$80,666
baseline
▲ 0.50% · 4.625%
HK$84,918
+HK$4,252/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$161,332/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,258
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,755
−HK$2,536/mo
Today · 4.125%
HK$85,291
baseline
▲ 0.50% · 4.625%
HK$90,481
+HK$5,190/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,582/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,287
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,681
−HK$2,430/mo
Today · 4.125%
HK$94,111
baseline
▲ 0.50% · 4.625%
HK$99,071
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,222/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,189
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,399
−HK$3,261/mo
Today · 4.125%
HK$109,660
baseline
▲ 0.50% · 4.625%
HK$116,333
+HK$6,673/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,320/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,797
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,876
−HK$3,123/mo
Today · 4.125%
HK$120,999
baseline
▲ 0.50% · 4.625%
HK$127,377
+HK$6,378/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$241,998/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,484 · Scale 2, in force from 26 Feb 2026)