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$57,202
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,981
−HK$1,808/mo
Today · 4.125%
HK$60,789
baseline
▲ 0.50% · 4.625%
HK$64,488
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,578/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,636
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,343
−HK$1,731/mo
Today · 4.125%
HK$67,074
baseline
▲ 0.50% · 4.625%
HK$70,610
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,148/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,642
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,777
−HK$2,170/mo
Today · 4.125%
HK$72,947
baseline
▲ 0.50% · 4.625%
HK$77,385
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,894/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,364
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,412
−HK$2,077/mo
Today · 4.125%
HK$80,489
baseline
▲ 0.50% · 4.625%
HK$84,732
+HK$4,243/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,978/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,082
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,573
−HK$2,531/mo
Today · 4.125%
HK$85,104
baseline
▲ 0.50% · 4.625%
HK$90,283
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,208/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,091
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,480
−HK$2,424/mo
Today · 4.125%
HK$93,904
baseline
▲ 0.50% · 4.625%
HK$98,854
+HK$4,950/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,808/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,963
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,166
−HK$3,254/mo
Today · 4.125%
HK$109,420
baseline
▲ 0.50% · 4.625%
HK$116,078
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,840/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,545
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,617
−HK$3,117/mo
Today · 4.125%
HK$120,734
baseline
▲ 0.50% · 4.625%
HK$127,098
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,468/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,141 · Scale 2, in force from 26 Feb 2026)