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$57,109
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,886
−HK$1,805/mo
Today · 4.125%
HK$60,691
baseline
▲ 0.50% · 4.625%
HK$64,384
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,382/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,534
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,238
−HK$1,728/mo
Today · 4.125%
HK$66,966
baseline
▲ 0.50% · 4.625%
HK$70,496
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,932/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,531
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,663
−HK$2,166/mo
Today · 4.125%
HK$72,829
baseline
▲ 0.50% · 4.625%
HK$77,260
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,658/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,240
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,285
−HK$2,074/mo
Today · 4.125%
HK$80,359
baseline
▲ 0.50% · 4.625%
HK$84,595
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,718/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,953
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,440
−HK$2,527/mo
Today · 4.125%
HK$84,967
baseline
▲ 0.50% · 4.625%
HK$90,137
+HK$5,170/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,934/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,947
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,333
−HK$2,420/mo
Today · 4.125%
HK$93,753
baseline
▲ 0.50% · 4.625%
HK$98,695
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,506/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,797
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,995
−HK$3,248/mo
Today · 4.125%
HK$109,243
baseline
▲ 0.50% · 4.625%
HK$115,890
+HK$6,647/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,486/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,361
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,428
−HK$3,111/mo
Today · 4.125%
HK$120,539
baseline
▲ 0.50% · 4.625%
HK$126,893
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,078/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,421 · Scale 2, in force from 26 Feb 2026)