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$57,095
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,871
−HK$1,804/mo
Today · 4.125%
HK$60,675
baseline
▲ 0.50% · 4.625%
HK$64,367
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,350/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,517
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,221
−HK$1,728/mo
Today · 4.125%
HK$66,949
baseline
▲ 0.50% · 4.625%
HK$70,478
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,898/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,514
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,645
−HK$2,165/mo
Today · 4.125%
HK$72,810
baseline
▲ 0.50% · 4.625%
HK$77,240
+HK$4,430/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$145,620/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,221
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,265
−HK$2,074/mo
Today · 4.125%
HK$80,339
baseline
▲ 0.50% · 4.625%
HK$84,573
+HK$4,234/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$160,678/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,932
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,419
−HK$2,526/mo
Today · 4.125%
HK$84,945
baseline
▲ 0.50% · 4.625%
HK$90,114
+HK$5,169/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,890/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,924
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,309
−HK$2,419/mo
Today · 4.125%
HK$93,728
baseline
▲ 0.50% · 4.625%
HK$98,669
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,456/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,770
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,967
−HK$3,248/mo
Today · 4.125%
HK$109,215
baseline
▲ 0.50% · 4.625%
HK$115,860
+HK$6,645/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,430/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,331
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,397
−HK$3,111/mo
Today · 4.125%
HK$120,508
baseline
▲ 0.50% · 4.625%
HK$126,860
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$241,016/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,144 · Scale 2, in force from 26 Feb 2026)