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$57,345
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,128
−HK$1,813/mo
Today · 4.125%
HK$60,941
baseline
▲ 0.50% · 4.625%
HK$64,649
+HK$3,708/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,882/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,795
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,506
−HK$1,736/mo
Today · 4.125%
HK$67,242
baseline
▲ 0.50% · 4.625%
HK$70,786
+HK$3,544/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,484/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,813
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,954
−HK$2,175/mo
Today · 4.125%
HK$73,129
baseline
▲ 0.50% · 4.625%
HK$77,578
+HK$4,449/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,258/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,554
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,607
−HK$2,083/mo
Today · 4.125%
HK$80,690
baseline
▲ 0.50% · 4.625%
HK$84,944
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,380/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,068,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,282
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,780
−HK$2,537/mo
Today · 4.125%
HK$85,317
baseline
▲ 0.50% · 4.625%
HK$90,508
+HK$5,191/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,634/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,313
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,709
−HK$2,430/mo
Today · 4.125%
HK$94,139
baseline
▲ 0.50% · 4.625%
HK$99,101
+HK$4,962/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,278/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,220
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,431
−HK$3,262/mo
Today · 4.125%
HK$109,693
baseline
▲ 0.50% · 4.625%
HK$116,368
+HK$6,675/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$219,386/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,831
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,911
−HK$3,124/mo
Today · 4.125%
HK$121,035
baseline
▲ 0.50% · 4.625%
HK$127,415
+HK$6,380/mo
Deposit HK$2.51M · loan HK$22.63M · min. income ≈ HK$242,070/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,803 · Scale 2, in force from 26 Feb 2026)