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$57,257
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,038
−HK$1,810/mo
Today · 4.125%
HK$60,848
baseline
▲ 0.50% · 4.625%
HK$64,550
+HK$3,702/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,696/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,698
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,406
−HK$1,733/mo
Today · 4.125%
HK$67,139
baseline
▲ 0.50% · 4.625%
HK$70,679
+HK$3,540/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,278/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,709
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,846
−HK$2,171/mo
Today · 4.125%
HK$73,017
baseline
▲ 0.50% · 4.625%
HK$77,460
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$146,034/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,438
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,488
−HK$2,079/mo
Today · 4.125%
HK$80,567
baseline
▲ 0.50% · 4.625%
HK$84,814
+HK$4,247/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$161,134/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,160
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,654
−HK$2,533/mo
Today · 4.125%
HK$85,187
baseline
▲ 0.50% · 4.625%
HK$90,370
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,374/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,177
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,569
−HK$2,426/mo
Today · 4.125%
HK$93,995
baseline
▲ 0.50% · 4.625%
HK$98,950
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$187,990/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,063
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,269
−HK$3,257/mo
Today · 4.125%
HK$109,526
baseline
▲ 0.50% · 4.625%
HK$116,190
+HK$6,664/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,052/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,657
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,732
−HK$3,119/mo
Today · 4.125%
HK$120,851
baseline
▲ 0.50% · 4.625%
HK$127,221
+HK$6,370/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,702/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,175 · Scale 2, in force from 26 Feb 2026)