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$57,236
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,016
−HK$1,809/mo
Today · 4.125%
HK$60,825
baseline
▲ 0.50% · 4.625%
HK$64,526
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,650/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,674
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,382
−HK$1,732/mo
Today · 4.125%
HK$67,114
baseline
▲ 0.50% · 4.625%
HK$70,652
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,228/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,683
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,819
−HK$2,171/mo
Today · 4.125%
HK$72,990
baseline
▲ 0.50% · 4.625%
HK$77,431
+HK$4,441/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,980/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,409
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,458
−HK$2,079/mo
Today · 4.125%
HK$80,537
baseline
▲ 0.50% · 4.625%
HK$84,782
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,074/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,130
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,622
−HK$2,533/mo
Today · 4.125%
HK$85,155
baseline
▲ 0.50% · 4.625%
HK$90,336
+HK$5,181/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,310/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,144
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,534
−HK$2,426/mo
Today · 4.125%
HK$93,960
baseline
▲ 0.50% · 4.625%
HK$98,912
+HK$4,952/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,920/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,024
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,229
−HK$3,255/mo
Today · 4.125%
HK$109,484
baseline
▲ 0.50% · 4.625%
HK$116,146
+HK$6,662/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,968/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,613
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,687
−HK$3,118/mo
Today · 4.125%
HK$120,805
baseline
▲ 0.50% · 4.625%
HK$127,173
+HK$6,368/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,610/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,771 · Scale 2, in force from 26 Feb 2026)