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$57,393
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,178
−HK$1,814/mo
Today · 4.125%
HK$60,992
baseline
▲ 0.50% · 4.625%
HK$64,703
+HK$3,711/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,984/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,849
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,561
−HK$1,737/mo
Today · 4.125%
HK$67,298
baseline
▲ 0.50% · 4.625%
HK$70,846
+HK$3,548/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,596/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,871
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,014
−HK$2,176/mo
Today · 4.125%
HK$73,190
baseline
▲ 0.50% · 4.625%
HK$77,644
+HK$4,454/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,380/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,619
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,673
−HK$2,085/mo
Today · 4.125%
HK$80,758
baseline
▲ 0.50% · 4.625%
HK$85,015
+HK$4,257/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,516/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,350
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,849
−HK$2,539/mo
Today · 4.125%
HK$85,388
baseline
▲ 0.50% · 4.625%
HK$90,584
+HK$5,196/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,776/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,388
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,786
−HK$2,432/mo
Today · 4.125%
HK$94,218
baseline
▲ 0.50% · 4.625%
HK$99,184
+HK$4,966/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,436/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,307
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,520
−HK$3,265/mo
Today · 4.125%
HK$109,785
baseline
▲ 0.50% · 4.625%
HK$116,465
+HK$6,680/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,570/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,928
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,010
−HK$3,127/mo
Today · 4.125%
HK$121,137
baseline
▲ 0.50% · 4.625%
HK$127,522
+HK$6,385/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,274/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,700 · Scale 2, in force from 26 Feb 2026)