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$57,308
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,091
−HK$1,811/mo
Today · 4.125%
HK$60,902
baseline
▲ 0.50% · 4.625%
HK$64,608
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,804/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,755
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,465
−HK$1,735/mo
Today · 4.125%
HK$67,200
baseline
▲ 0.50% · 4.625%
HK$70,742
+HK$3,542/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,400/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,068,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,770
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,909
−HK$2,174/mo
Today · 4.125%
HK$73,083
baseline
▲ 0.50% · 4.625%
HK$77,530
+HK$4,447/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,166/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,506
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,558
−HK$2,081/mo
Today · 4.125%
HK$80,639
baseline
▲ 0.50% · 4.625%
HK$84,890
+HK$4,251/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,278/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,232
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,727
−HK$2,536/mo
Today · 4.125%
HK$85,263
baseline
▲ 0.50% · 4.625%
HK$90,451
+HK$5,188/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,526/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,257
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,651
−HK$2,428/mo
Today · 4.125%
HK$94,079
baseline
▲ 0.50% · 4.625%
HK$99,038
+HK$4,959/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,158/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,155
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,364
−HK$3,260/mo
Today · 4.125%
HK$109,624
baseline
▲ 0.50% · 4.625%
HK$116,294
+HK$6,670/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,248/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,759
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,837
−HK$3,122/mo
Today · 4.125%
HK$120,959
baseline
▲ 0.50% · 4.625%
HK$127,335
+HK$6,376/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,918/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,130 · Scale 2, in force from 26 Feb 2026)