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$57,298
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,080
−HK$1,811/mo
Today · 4.125%
HK$60,891
baseline
▲ 0.50% · 4.625%
HK$64,596
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,782/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,743
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,453
−HK$1,734/mo
Today · 4.125%
HK$67,187
baseline
▲ 0.50% · 4.625%
HK$70,728
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,374/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,757
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,896
−HK$2,173/mo
Today · 4.125%
HK$73,069
baseline
▲ 0.50% · 4.625%
HK$77,515
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,138/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,492
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,543
−HK$2,081/mo
Today · 4.125%
HK$80,624
baseline
▲ 0.50% · 4.625%
HK$84,874
+HK$4,250/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,248/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,217
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,712
−HK$2,535/mo
Today · 4.125%
HK$85,247
baseline
▲ 0.50% · 4.625%
HK$90,434
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,494/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,240
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,634
−HK$2,428/mo
Today · 4.125%
HK$94,062
baseline
▲ 0.50% · 4.625%
HK$99,020
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,124/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,136
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,344
−HK$3,259/mo
Today · 4.125%
HK$109,603
baseline
▲ 0.50% · 4.625%
HK$116,272
+HK$6,669/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,206/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,738
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,815
−HK$3,121/mo
Today · 4.125%
HK$120,936
baseline
▲ 0.50% · 4.625%
HK$127,311
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,872/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,929 · Scale 2, in force from 26 Feb 2026)