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$57,268
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,049
−HK$1,810/mo
Today · 4.125%
HK$60,859
baseline
▲ 0.50% · 4.625%
HK$64,562
+HK$3,703/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,718/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,710
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,419
−HK$1,733/mo
Today · 4.125%
HK$67,152
baseline
▲ 0.50% · 4.625%
HK$70,692
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,304/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,722
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,859
−HK$2,172/mo
Today · 4.125%
HK$73,031
baseline
▲ 0.50% · 4.625%
HK$77,475
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,062/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,452
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,503
−HK$2,080/mo
Today · 4.125%
HK$80,583
baseline
▲ 0.50% · 4.625%
HK$84,830
+HK$4,247/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,166/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,175
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,669
−HK$2,534/mo
Today · 4.125%
HK$85,203
baseline
▲ 0.50% · 4.625%
HK$90,387
+HK$5,184/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,406/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,194
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,586
−HK$2,427/mo
Today · 4.125%
HK$94,013
baseline
▲ 0.50% · 4.625%
HK$98,969
+HK$4,956/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$188,026/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,082
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,289
−HK$3,258/mo
Today · 4.125%
HK$109,547
baseline
▲ 0.50% · 4.625%
HK$116,212
+HK$6,665/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,094/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,678
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,754
−HK$3,120/mo
Today · 4.125%
HK$120,874
baseline
▲ 0.50% · 4.625%
HK$127,245
+HK$6,371/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,748/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,376 · Scale 2, in force from 26 Feb 2026)