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$57,255
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,036
−HK$1,809/mo
Today · 4.125%
HK$60,845
baseline
▲ 0.50% · 4.625%
HK$64,548
+HK$3,703/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,690/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,695
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,404
−HK$1,733/mo
Today · 4.125%
HK$67,137
baseline
▲ 0.50% · 4.625%
HK$70,676
+HK$3,539/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,274/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,706
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,843
−HK$2,171/mo
Today · 4.125%
HK$73,014
baseline
▲ 0.50% · 4.625%
HK$77,457
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$146,028/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,435
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,485
−HK$2,079/mo
Today · 4.125%
HK$80,564
baseline
▲ 0.50% · 4.625%
HK$84,811
+HK$4,247/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$161,128/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,157
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,650
−HK$2,533/mo
Today · 4.125%
HK$85,183
baseline
▲ 0.50% · 4.625%
HK$90,367
+HK$5,184/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,366/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,174
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,565
−HK$2,426/mo
Today · 4.125%
HK$93,991
baseline
▲ 0.50% · 4.625%
HK$98,946
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$187,982/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,059
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,265
−HK$3,256/mo
Today · 4.125%
HK$109,521
baseline
▲ 0.50% · 4.625%
HK$116,186
+HK$6,665/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,042/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,652
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,727
−HK$3,119/mo
Today · 4.125%
HK$120,846
baseline
▲ 0.50% · 4.625%
HK$127,216
+HK$6,370/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,692/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,132 · Scale 2, in force from 26 Feb 2026)