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$57,296
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,078
−HK$1,811/mo
Today · 4.125%
HK$60,889
baseline
▲ 0.50% · 4.625%
HK$64,594
+HK$3,705/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,778/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,741
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,450
−HK$1,735/mo
Today · 4.125%
HK$67,185
baseline
▲ 0.50% · 4.625%
HK$70,726
+HK$3,541/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,370/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,755
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,894
−HK$2,172/mo
Today · 4.125%
HK$73,066
baseline
▲ 0.50% · 4.625%
HK$77,512
+HK$4,446/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$146,132/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,489
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,540
−HK$2,082/mo
Today · 4.125%
HK$80,622
baseline
▲ 0.50% · 4.625%
HK$84,871
+HK$4,249/mo
Deposit HK$10.05M · loan HK$15.08M · min. income ≈ HK$161,244/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,067,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,214
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,709
−HK$2,535/mo
Today · 4.125%
HK$85,244
baseline
▲ 0.50% · 4.625%
HK$90,431
+HK$5,187/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$170,488/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,237
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,631
−HK$2,427/mo
Today · 4.125%
HK$94,058
baseline
▲ 0.50% · 4.625%
HK$99,016
+HK$4,958/mo
Deposit HK$7.54M · loan HK$17.59M · min. income ≈ HK$188,116/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$1,067,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,132
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,340
−HK$3,260/mo
Today · 4.125%
HK$109,600
baseline
▲ 0.50% · 4.625%
HK$116,268
+HK$6,668/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,200/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,734
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,811
−HK$3,121/mo
Today · 4.125%
HK$120,932
baseline
▲ 0.50% · 4.625%
HK$127,307
+HK$6,375/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,864/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,893 · Scale 2, in force from 26 Feb 2026)