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$57,161
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,939
−HK$1,807/mo
Today · 4.125%
HK$60,746
baseline
▲ 0.50% · 4.625%
HK$64,442
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,492/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,591
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,297
−HK$1,730/mo
Today · 4.125%
HK$67,027
baseline
▲ 0.50% · 4.625%
HK$70,560
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,054/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,594
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,727
−HK$2,168/mo
Today · 4.125%
HK$72,895
baseline
▲ 0.50% · 4.625%
HK$77,330
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,790/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,310
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,356
−HK$2,076/mo
Today · 4.125%
HK$80,432
baseline
▲ 0.50% · 4.625%
HK$84,672
+HK$4,240/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,864/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,026
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,515
−HK$2,529/mo
Today · 4.125%
HK$85,044
baseline
▲ 0.50% · 4.625%
HK$90,219
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,088/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,028
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,416
−HK$2,422/mo
Today · 4.125%
HK$93,838
baseline
▲ 0.50% · 4.625%
HK$98,784
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,676/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,890
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,091
−HK$3,251/mo
Today · 4.125%
HK$109,342
baseline
▲ 0.50% · 4.625%
HK$115,996
+HK$6,654/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,684/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,464
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,534
−HK$3,115/mo
Today · 4.125%
HK$120,649
baseline
▲ 0.50% · 4.625%
HK$127,008
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,298/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,387 · Scale 2, in force from 26 Feb 2026)