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$57,318
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,101
−HK$1,812/mo
Today · 4.125%
HK$60,913
baseline
▲ 0.50% · 4.625%
HK$64,619
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,826/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,766
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,476
−HK$1,735/mo
Today · 4.125%
HK$67,211
baseline
▲ 0.50% · 4.625%
HK$70,754
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,422/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,782
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,922
−HK$2,173/mo
Today · 4.125%
HK$73,095
baseline
▲ 0.50% · 4.625%
HK$77,543
+HK$4,448/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,190/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,519
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,572
−HK$2,081/mo
Today · 4.125%
HK$80,653
baseline
▲ 0.50% · 4.625%
HK$84,905
+HK$4,252/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,306/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,246
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,742
−HK$2,536/mo
Today · 4.125%
HK$85,278
baseline
▲ 0.50% · 4.625%
HK$90,467
+HK$5,189/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,556/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,273
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,667
−HK$2,429/mo
Today · 4.125%
HK$94,096
baseline
▲ 0.50% · 4.625%
HK$99,056
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,192/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,173
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,382
−HK$3,261/mo
Today · 4.125%
HK$109,643
baseline
▲ 0.50% · 4.625%
HK$116,314
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,286/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,779
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,857
−HK$3,123/mo
Today · 4.125%
HK$120,980
baseline
▲ 0.50% · 4.625%
HK$127,357
+HK$6,377/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,960/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,315 · Scale 2, in force from 26 Feb 2026)