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$57,215
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,995
−HK$1,808/mo
Today · 4.125%
HK$60,803
baseline
▲ 0.50% · 4.625%
HK$64,503
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,606/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,651
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,358
−HK$1,732/mo
Today · 4.125%
HK$67,090
baseline
▲ 0.50% · 4.625%
HK$70,627
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,180/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,658
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,794
−HK$2,170/mo
Today · 4.125%
HK$72,964
baseline
▲ 0.50% · 4.625%
HK$77,403
+HK$4,439/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$145,928/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,382
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,430
−HK$2,078/mo
Today · 4.125%
HK$80,508
baseline
▲ 0.50% · 4.625%
HK$84,752
+HK$4,244/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$161,016/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,101
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,593
−HK$2,531/mo
Today · 4.125%
HK$85,124
baseline
▲ 0.50% · 4.625%
HK$90,304
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,248/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,112
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,502
−HK$2,424/mo
Today · 4.125%
HK$93,926
baseline
▲ 0.50% · 4.625%
HK$98,877
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,852/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,987
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,191
−HK$3,255/mo
Today · 4.125%
HK$109,446
baseline
▲ 0.50% · 4.625%
HK$116,105
+HK$6,659/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,892/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,572
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,645
−HK$3,117/mo
Today · 4.125%
HK$120,762
baseline
▲ 0.50% · 4.625%
HK$127,128
+HK$6,366/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,524/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,392 · Scale 2, in force from 26 Feb 2026)