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$57,138
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,916
−HK$1,806/mo
Today · 4.125%
HK$60,722
baseline
▲ 0.50% · 4.625%
HK$64,416
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,444/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,566
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,271
−HK$1,729/mo
Today · 4.125%
HK$67,000
baseline
▲ 0.50% · 4.625%
HK$70,532
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,000/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,566
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,699
−HK$2,167/mo
Today · 4.125%
HK$72,866
baseline
▲ 0.50% · 4.625%
HK$77,300
+HK$4,434/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,732/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,279
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,325
−HK$2,075/mo
Today · 4.125%
HK$80,400
baseline
▲ 0.50% · 4.625%
HK$84,638
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,800/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,994
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,482
−HK$2,528/mo
Today · 4.125%
HK$85,010
baseline
▲ 0.50% · 4.625%
HK$90,183
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,020/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,992
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,379
−HK$2,421/mo
Today · 4.125%
HK$93,800
baseline
▲ 0.50% · 4.625%
HK$98,745
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,600/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,849
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,048
−HK$3,251/mo
Today · 4.125%
HK$109,299
baseline
▲ 0.50% · 4.625%
HK$115,949
+HK$6,650/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,598/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,419
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,487
−HK$3,113/mo
Today · 4.125%
HK$120,600
baseline
▲ 0.50% · 4.625%
HK$126,957
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,200/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,961 · Scale 2, in force from 26 Feb 2026)