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$57,363
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,147
−HK$1,813/mo
Today · 4.125%
HK$60,960
baseline
▲ 0.50% · 4.625%
HK$64,669
+HK$3,709/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$121,920/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,815
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,527
−HK$1,736/mo
Today · 4.125%
HK$67,263
baseline
▲ 0.50% · 4.625%
HK$70,809
+HK$3,546/mo
Deposit HK$12.58M · loan HK$12.58M · min. income ≈ HK$134,526/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,069,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,835
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,976
−HK$2,176/mo
Today · 4.125%
HK$73,152
baseline
▲ 0.50% · 4.625%
HK$77,603
+HK$4,451/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$146,304/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,579
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,632
−HK$2,084/mo
Today · 4.125%
HK$80,716
baseline
▲ 0.50% · 4.625%
HK$84,970
+HK$4,254/mo
Deposit HK$10.06M · loan HK$15.09M · min. income ≈ HK$161,432/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,069,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,308
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,806
−HK$2,538/mo
Today · 4.125%
HK$85,344
baseline
▲ 0.50% · 4.625%
HK$90,537
+HK$5,193/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$170,688/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,342
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,738
−HK$2,430/mo
Today · 4.125%
HK$94,168
baseline
▲ 0.50% · 4.625%
HK$99,132
+HK$4,964/mo
Deposit HK$7.55M · loan HK$17.61M · min. income ≈ HK$188,336/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,253
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,465
−HK$3,263/mo
Today · 4.125%
HK$109,728
baseline
▲ 0.50% · 4.625%
HK$116,404
+HK$6,676/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$219,456/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,868
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,948
−HK$3,126/mo
Today · 4.125%
HK$121,074
baseline
▲ 0.50% · 4.625%
HK$127,456
+HK$6,382/mo
Deposit HK$2.52M · loan HK$22.64M · min. income ≈ HK$242,148/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,069,141 · Scale 2, in force from 26 Feb 2026)