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$57,222
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,002
−HK$1,809/mo
Today · 4.125%
HK$60,811
baseline
▲ 0.50% · 4.625%
HK$64,511
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,622/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,659
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,366
−HK$1,732/mo
Today · 4.125%
HK$67,098
baseline
▲ 0.50% · 4.625%
HK$70,635
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,196/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,667
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,803
−HK$2,170/mo
Today · 4.125%
HK$72,973
baseline
▲ 0.50% · 4.625%
HK$77,413
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,946/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,391
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,440
−HK$2,078/mo
Today · 4.125%
HK$80,518
baseline
▲ 0.50% · 4.625%
HK$84,762
+HK$4,244/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,036/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,111
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,603
−HK$2,532/mo
Today · 4.125%
HK$85,135
baseline
▲ 0.50% · 4.625%
HK$90,315
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,270/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,123
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,513
−HK$2,425/mo
Today · 4.125%
HK$93,938
baseline
▲ 0.50% · 4.625%
HK$98,889
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,876/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,000
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,204
−HK$3,255/mo
Today · 4.125%
HK$109,459
baseline
▲ 0.50% · 4.625%
HK$116,119
+HK$6,660/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,918/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,586
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,660
−HK$3,117/mo
Today · 4.125%
HK$120,777
baseline
▲ 0.50% · 4.625%
HK$127,144
+HK$6,367/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,554/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,523 · Scale 2, in force from 26 Feb 2026)