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$57,397
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,182
−HK$1,814/mo
Today · 4.125%
HK$60,996
baseline
▲ 0.50% · 4.625%
HK$64,708
+HK$3,712/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$121,992/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,853
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,566
−HK$1,737/mo
Today · 4.125%
HK$67,303
baseline
▲ 0.50% · 4.625%
HK$70,851
+HK$3,548/mo
Deposit HK$12.59M · loan HK$12.59M · min. income ≈ HK$134,606/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,069,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,876
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,019
−HK$2,176/mo
Today · 4.125%
HK$73,195
baseline
▲ 0.50% · 4.625%
HK$77,649
+HK$4,454/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$146,390/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,624
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,679
−HK$2,085/mo
Today · 4.125%
HK$80,764
baseline
▲ 0.50% · 4.625%
HK$85,021
+HK$4,257/mo
Deposit HK$10.07M · loan HK$15.10M · min. income ≈ HK$161,528/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,069,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,356
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,855
−HK$2,540/mo
Today · 4.125%
HK$85,395
baseline
▲ 0.50% · 4.625%
HK$90,591
+HK$5,196/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$170,790/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,395
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,792
−HK$2,432/mo
Today · 4.125%
HK$94,224
baseline
▲ 0.50% · 4.625%
HK$99,191
+HK$4,967/mo
Deposit HK$7.55M · loan HK$17.62M · min. income ≈ HK$188,448/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$1,069,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,314
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,528
−HK$3,265/mo
Today · 4.125%
HK$109,793
baseline
▲ 0.50% · 4.625%
HK$116,474
+HK$6,681/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$219,586/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,936
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,019
−HK$3,127/mo
Today · 4.125%
HK$121,146
baseline
▲ 0.50% · 4.625%
HK$127,531
+HK$6,385/mo
Deposit HK$2.52M · loan HK$22.65M · min. income ≈ HK$242,292/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,069,777 · Scale 2, in force from 26 Feb 2026)