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$57,199
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,978
−HK$1,807/mo
Today · 4.125%
HK$60,785
baseline
▲ 0.50% · 4.625%
HK$64,484
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,570/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,633
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,339
−HK$1,732/mo
Today · 4.125%
HK$67,071
baseline
▲ 0.50% · 4.625%
HK$70,606
+HK$3,535/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,142/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,638
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,773
−HK$2,169/mo
Today · 4.125%
HK$72,942
baseline
▲ 0.50% · 4.625%
HK$77,381
+HK$4,439/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,884/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,359
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,407
−HK$2,078/mo
Today · 4.125%
HK$80,485
baseline
▲ 0.50% · 4.625%
HK$84,727
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,970/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,078
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,569
−HK$2,531/mo
Today · 4.125%
HK$85,100
baseline
▲ 0.50% · 4.625%
HK$90,278
+HK$5,178/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,200/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,086
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,475
−HK$2,424/mo
Today · 4.125%
HK$93,899
baseline
▲ 0.50% · 4.625%
HK$98,849
+HK$4,950/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,798/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,957
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,160
−HK$3,254/mo
Today · 4.125%
HK$109,414
baseline
▲ 0.50% · 4.625%
HK$116,071
+HK$6,657/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,828/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,539
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,611
−HK$3,116/mo
Today · 4.125%
HK$120,727
baseline
▲ 0.50% · 4.625%
HK$127,091
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,454/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,082 · Scale 2, in force from 26 Feb 2026)