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$57,132
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,909
−HK$1,806/mo
Today · 4.125%
HK$60,715
baseline
▲ 0.50% · 4.625%
HK$64,409
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,430/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,559
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,264
−HK$1,729/mo
Today · 4.125%
HK$66,993
baseline
▲ 0.50% · 4.625%
HK$70,524
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,986/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,559
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,691
−HK$2,167/mo
Today · 4.125%
HK$72,858
baseline
▲ 0.50% · 4.625%
HK$77,291
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,716/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,271
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,317
−HK$2,075/mo
Today · 4.125%
HK$80,392
baseline
▲ 0.50% · 4.625%
HK$84,629
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,784/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,985
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,473
−HK$2,528/mo
Today · 4.125%
HK$85,001
baseline
▲ 0.50% · 4.625%
HK$90,173
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,002/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,983
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,369
−HK$2,421/mo
Today · 4.125%
HK$93,790
baseline
▲ 0.50% · 4.625%
HK$98,734
+HK$4,944/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,580/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,838
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,037
−HK$3,250/mo
Today · 4.125%
HK$109,287
baseline
▲ 0.50% · 4.625%
HK$115,937
+HK$6,650/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,574/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,406
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,475
−HK$3,112/mo
Today · 4.125%
HK$120,587
baseline
▲ 0.50% · 4.625%
HK$126,944
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,174/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,847 · Scale 2, in force from 26 Feb 2026)