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$57,355
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,139
−HK$1,812/mo
Today · 4.125%
HK$60,951
baseline
▲ 0.50% · 4.625%
HK$64,660
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,902/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,068,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,806
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,518
−HK$1,736/mo
Today · 4.125%
HK$67,254
baseline
▲ 0.50% · 4.625%
HK$70,799
+HK$3,545/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,508/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,068,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,826
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,966
−HK$2,176/mo
Today · 4.125%
HK$73,142
baseline
▲ 0.50% · 4.625%
HK$77,592
+HK$4,450/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,284/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,568
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,621
−HK$2,083/mo
Today · 4.125%
HK$80,704
baseline
▲ 0.50% · 4.625%
HK$84,959
+HK$4,255/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,408/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,297
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,794
−HK$2,538/mo
Today · 4.125%
HK$85,332
baseline
▲ 0.50% · 4.625%
HK$90,524
+HK$5,192/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,664/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,329
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,725
−HK$2,430/mo
Today · 4.125%
HK$94,155
baseline
▲ 0.50% · 4.625%
HK$99,118
+HK$4,963/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,310/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,238
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,450
−HK$3,262/mo
Today · 4.125%
HK$109,712
baseline
▲ 0.50% · 4.625%
HK$116,388
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,424/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,852
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,932
−HK$3,125/mo
Today · 4.125%
HK$121,057
baseline
▲ 0.50% · 4.625%
HK$127,438
+HK$6,381/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,114/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,991 · Scale 2, in force from 26 Feb 2026)