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$57,316
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,099
−HK$1,812/mo
Today · 4.125%
HK$60,911
baseline
▲ 0.50% · 4.625%
HK$64,617
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,822/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,764
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,474
−HK$1,735/mo
Today · 4.125%
HK$67,209
baseline
▲ 0.50% · 4.625%
HK$70,751
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,418/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,780
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,919
−HK$2,174/mo
Today · 4.125%
HK$73,093
baseline
▲ 0.50% · 4.625%
HK$77,540
+HK$4,447/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,186/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,517
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,569
−HK$2,082/mo
Today · 4.125%
HK$80,651
baseline
▲ 0.50% · 4.625%
HK$84,902
+HK$4,251/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,302/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,243
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,739
−HK$2,536/mo
Today · 4.125%
HK$85,275
baseline
▲ 0.50% · 4.625%
HK$90,464
+HK$5,189/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,550/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,269
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,663
−HK$2,429/mo
Today · 4.125%
HK$94,092
baseline
▲ 0.50% · 4.625%
HK$99,052
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,184/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,169
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,379
−HK$3,260/mo
Today · 4.125%
HK$109,639
baseline
▲ 0.50% · 4.625%
HK$116,310
+HK$6,671/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,278/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,775
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,853
−HK$3,123/mo
Today · 4.125%
HK$120,976
baseline
▲ 0.50% · 4.625%
HK$127,353
+HK$6,377/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,952/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,276 · Scale 2, in force from 26 Feb 2026)