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$57,276
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,057
−HK$1,810/mo
Today · 4.125%
HK$60,867
baseline
▲ 0.50% · 4.625%
HK$64,571
+HK$3,704/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$121,734/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,719
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,428
−HK$1,733/mo
Today · 4.125%
HK$67,161
baseline
▲ 0.50% · 4.625%
HK$70,701
+HK$3,540/mo
Deposit HK$12.56M · loan HK$12.56M · min. income ≈ HK$134,322/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,067,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,731
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,869
−HK$2,172/mo
Today · 4.125%
HK$73,041
baseline
▲ 0.50% · 4.625%
HK$77,485
+HK$4,444/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$146,082/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,462
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,513
−HK$2,080/mo
Today · 4.125%
HK$80,593
baseline
▲ 0.50% · 4.625%
HK$84,842
+HK$4,249/mo
Deposit HK$10.05M · loan HK$15.07M · min. income ≈ HK$161,186/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,186
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,680
−HK$2,534/mo
Today · 4.125%
HK$85,214
baseline
▲ 0.50% · 4.625%
HK$90,400
+HK$5,186/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$170,428/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,206
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,599
−HK$2,427/mo
Today · 4.125%
HK$94,026
baseline
▲ 0.50% · 4.625%
HK$98,982
+HK$4,956/mo
Deposit HK$7.54M · loan HK$17.58M · min. income ≈ HK$188,052/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,096
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,303
−HK$3,258/mo
Today · 4.125%
HK$109,561
baseline
▲ 0.50% · 4.625%
HK$116,228
+HK$6,667/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$219,122/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,694
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,770
−HK$3,120/mo
Today · 4.125%
HK$120,890
baseline
▲ 0.50% · 4.625%
HK$127,262
+HK$6,372/mo
Deposit HK$2.51M · loan HK$22.61M · min. income ≈ HK$241,780/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,520 · Scale 2, in force from 26 Feb 2026)