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$57,113
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,889
−HK$1,805/mo
Today · 4.125%
HK$60,694
baseline
▲ 0.50% · 4.625%
HK$64,387
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,388/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,537
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,241
−HK$1,729/mo
Today · 4.125%
HK$66,970
baseline
▲ 0.50% · 4.625%
HK$70,500
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,940/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,535
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,667
−HK$2,166/mo
Today · 4.125%
HK$72,833
baseline
▲ 0.50% · 4.625%
HK$77,265
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,666/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,245
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,289
−HK$2,075/mo
Today · 4.125%
HK$80,364
baseline
▲ 0.50% · 4.625%
HK$84,600
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,728/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,958
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,445
−HK$2,527/mo
Today · 4.125%
HK$84,972
baseline
▲ 0.50% · 4.625%
HK$90,142
+HK$5,170/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,944/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,952
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,338
−HK$2,420/mo
Today · 4.125%
HK$93,758
baseline
▲ 0.50% · 4.625%
HK$98,700
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,516/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,803
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$106,000
−HK$3,249/mo
Today · 4.125%
HK$109,249
baseline
▲ 0.50% · 4.625%
HK$115,897
+HK$6,648/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,498/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,367
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,434
−HK$3,112/mo
Today · 4.125%
HK$120,546
baseline
▲ 0.50% · 4.625%
HK$126,900
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,092/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,479 · Scale 2, in force from 26 Feb 2026)