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$57,266
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,047
−HK$1,810/mo
Today · 4.125%
HK$60,857
baseline
▲ 0.50% · 4.625%
HK$64,560
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,714/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,708
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,416
−HK$1,734/mo
Today · 4.125%
HK$67,150
baseline
▲ 0.50% · 4.625%
HK$70,689
+HK$3,539/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,300/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,719
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,857
−HK$2,171/mo
Today · 4.125%
HK$73,028
baseline
▲ 0.50% · 4.625%
HK$77,472
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,056/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,449
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,500
−HK$2,080/mo
Today · 4.125%
HK$80,580
baseline
▲ 0.50% · 4.625%
HK$84,827
+HK$4,247/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,160/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,172
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,666
−HK$2,534/mo
Today · 4.125%
HK$85,200
baseline
▲ 0.50% · 4.625%
HK$90,384
+HK$5,184/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,400/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,191
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,583
−HK$2,427/mo
Today · 4.125%
HK$94,010
baseline
▲ 0.50% · 4.625%
HK$98,965
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$188,020/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,079
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$106,285
−HK$3,258/mo
Today · 4.125%
HK$109,543
baseline
▲ 0.50% · 4.625%
HK$116,208
+HK$6,665/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,086/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,674
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,749
−HK$3,120/mo
Today · 4.125%
HK$120,869
baseline
▲ 0.50% · 4.625%
HK$127,241
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,738/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,337 · Scale 2, in force from 26 Feb 2026)