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$57,399
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,184
−HK$1,814/mo
Today · 4.125%
HK$60,998
baseline
▲ 0.50% · 4.625%
HK$64,710
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$121,996/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,856
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,568
−HK$1,738/mo
Today · 4.125%
HK$67,306
baseline
▲ 0.50% · 4.625%
HK$70,853
+HK$3,547/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,612/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,879
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,021
−HK$2,177/mo
Today · 4.125%
HK$73,198
baseline
▲ 0.50% · 4.625%
HK$77,652
+HK$4,454/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,396/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,627
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,682
−HK$2,085/mo
Today · 4.125%
HK$80,767
baseline
▲ 0.50% · 4.625%
HK$85,024
+HK$4,257/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,534/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,358
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,858
−HK$2,540/mo
Today · 4.125%
HK$85,398
baseline
▲ 0.50% · 4.625%
HK$90,594
+HK$5,196/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,796/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,398
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,796
−HK$2,432/mo
Today · 4.125%
HK$94,228
baseline
▲ 0.50% · 4.625%
HK$99,195
+HK$4,967/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,456/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,318
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,532
−HK$3,265/mo
Today · 4.125%
HK$109,797
baseline
▲ 0.50% · 4.625%
HK$116,478
+HK$6,681/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,594/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,940
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,023
−HK$3,127/mo
Today · 4.125%
HK$121,150
baseline
▲ 0.50% · 4.625%
HK$127,536
+HK$6,386/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,300/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,816 · Scale 2, in force from 26 Feb 2026)