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$57,103
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,879
−HK$1,805/mo
Today · 4.125%
HK$60,684
baseline
▲ 0.50% · 4.625%
HK$64,377
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,368/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,527
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,231
−HK$1,728/mo
Today · 4.125%
HK$66,959
baseline
▲ 0.50% · 4.625%
HK$70,488
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,918/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,524
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,655
−HK$2,166/mo
Today · 4.125%
HK$72,821
baseline
▲ 0.50% · 4.625%
HK$77,252
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,642/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,232
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,277
−HK$2,074/mo
Today · 4.125%
HK$80,351
baseline
▲ 0.50% · 4.625%
HK$84,586
+HK$4,235/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,702/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,945
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,431
−HK$2,527/mo
Today · 4.125%
HK$84,958
baseline
▲ 0.50% · 4.625%
HK$90,127
+HK$5,169/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,916/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,938
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,323
−HK$2,420/mo
Today · 4.125%
HK$93,743
baseline
▲ 0.50% · 4.625%
HK$98,684
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,486/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,786
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,983
−HK$3,248/mo
Today · 4.125%
HK$109,231
baseline
▲ 0.50% · 4.625%
HK$115,878
+HK$6,647/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,462/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,348
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,415
−HK$3,111/mo
Today · 4.125%
HK$120,526
baseline
▲ 0.50% · 4.625%
HK$126,879
+HK$6,353/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,052/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,306 · Scale 2, in force from 26 Feb 2026)