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$57,179
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,958
−HK$1,807/mo
Today · 4.125%
HK$60,765
baseline
▲ 0.50% · 4.625%
HK$64,462
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,530/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,611
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,317
−HK$1,731/mo
Today · 4.125%
HK$67,048
baseline
▲ 0.50% · 4.625%
HK$70,582
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,096/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,615
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,749
−HK$2,169/mo
Today · 4.125%
HK$72,918
baseline
▲ 0.50% · 4.625%
HK$77,355
+HK$4,437/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,836/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,333
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,381
−HK$2,076/mo
Today · 4.125%
HK$80,457
baseline
▲ 0.50% · 4.625%
HK$84,698
+HK$4,241/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,914/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,051
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,541
−HK$2,530/mo
Today · 4.125%
HK$85,071
baseline
▲ 0.50% · 4.625%
HK$90,247
+HK$5,176/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,142/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,056
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,444
−HK$2,423/mo
Today · 4.125%
HK$93,867
baseline
▲ 0.50% · 4.625%
HK$98,815
+HK$4,948/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,734/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,922
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,124
−HK$3,252/mo
Today · 4.125%
HK$109,376
baseline
▲ 0.50% · 4.625%
HK$116,032
+HK$6,656/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,752/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,500
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,571
−HK$3,115/mo
Today · 4.125%
HK$120,686
baseline
▲ 0.50% · 4.625%
HK$127,048
+HK$6,362/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,372/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,719 · Scale 2, in force from 26 Feb 2026)