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$57,322
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,105
−HK$1,812/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,623
+HK$3,706/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,770
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,480
−HK$1,735/mo
Today · 4.125%
HK$67,215
baseline
▲ 0.50% · 4.625%
HK$70,758
+HK$3,543/mo
Deposit HK$12.57M · loan HK$12.57M · min. income ≈ HK$134,430/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,068,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,786
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,926
−HK$2,174/mo
Today · 4.125%
HK$73,100
baseline
▲ 0.50% · 4.625%
HK$77,548
+HK$4,448/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$146,200/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,524
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,577
−HK$2,082/mo
Today · 4.125%
HK$80,659
baseline
▲ 0.50% · 4.625%
HK$84,910
+HK$4,251/mo
Deposit HK$10.06M · loan HK$15.08M · min. income ≈ HK$161,318/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,068,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,251
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,747
−HK$2,536/mo
Today · 4.125%
HK$85,283
baseline
▲ 0.50% · 4.625%
HK$90,473
+HK$5,190/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$170,566/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,278
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,673
−HK$2,429/mo
Today · 4.125%
HK$94,102
baseline
▲ 0.50% · 4.625%
HK$99,062
+HK$4,960/mo
Deposit HK$7.54M · loan HK$17.60M · min. income ≈ HK$188,204/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,068,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,180
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,389
−HK$3,261/mo
Today · 4.125%
HK$109,650
baseline
▲ 0.50% · 4.625%
HK$116,322
+HK$6,672/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$219,300/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,786
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,865
−HK$3,123/mo
Today · 4.125%
HK$120,988
baseline
▲ 0.50% · 4.625%
HK$127,365
+HK$6,377/mo
Deposit HK$2.51M · loan HK$22.62M · min. income ≈ HK$241,976/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,068,383 · Scale 2, in force from 26 Feb 2026)