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$57,249
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,029
−HK$1,810/mo
Today · 4.125%
HK$60,839
baseline
▲ 0.50% · 4.625%
HK$64,541
+HK$3,702/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,678/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,689
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,397
−HK$1,732/mo
Today · 4.125%
HK$67,129
baseline
▲ 0.50% · 4.625%
HK$70,668
+HK$3,539/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,258/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,698
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,835
−HK$2,171/mo
Today · 4.125%
HK$73,006
baseline
▲ 0.50% · 4.625%
HK$77,449
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$146,012/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,426
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,476
−HK$2,079/mo
Today · 4.125%
HK$80,555
baseline
▲ 0.50% · 4.625%
HK$84,802
+HK$4,247/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,110/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,148
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,641
−HK$2,533/mo
Today · 4.125%
HK$85,174
baseline
▲ 0.50% · 4.625%
HK$90,357
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,348/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,164
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,555
−HK$2,426/mo
Today · 4.125%
HK$93,981
baseline
▲ 0.50% · 4.625%
HK$98,935
+HK$4,954/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,962/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,048
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,253
−HK$3,257/mo
Today · 4.125%
HK$109,510
baseline
▲ 0.50% · 4.625%
HK$116,173
+HK$6,663/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,020/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,639
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,714
−HK$3,119/mo
Today · 4.125%
HK$120,833
baseline
▲ 0.50% · 4.625%
HK$127,202
+HK$6,369/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,666/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,016 · Scale 2, in force from 26 Feb 2026)