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$57,220
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,000
−HK$1,808/mo
Today · 4.125%
HK$60,808
baseline
▲ 0.50% · 4.625%
HK$64,508
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,616/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,657
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,364
−HK$1,732/mo
Today · 4.125%
HK$67,096
baseline
▲ 0.50% · 4.625%
HK$70,633
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,192/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,664
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,800
−HK$2,170/mo
Today · 4.125%
HK$72,970
baseline
▲ 0.50% · 4.625%
HK$77,410
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,940/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,388
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,437
−HK$2,078/mo
Today · 4.125%
HK$80,515
baseline
▲ 0.50% · 4.625%
HK$84,759
+HK$4,244/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,030/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,108
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,600
−HK$2,532/mo
Today · 4.125%
HK$85,132
baseline
▲ 0.50% · 4.625%
HK$90,312
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,264/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,120
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,510
−HK$2,424/mo
Today · 4.125%
HK$93,934
baseline
▲ 0.50% · 4.625%
HK$98,886
+HK$4,952/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,868/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,996
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,200
−HK$3,255/mo
Today · 4.125%
HK$109,455
baseline
▲ 0.50% · 4.625%
HK$116,115
+HK$6,660/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,910/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,582
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,655
−HK$3,118/mo
Today · 4.125%
HK$120,773
baseline
▲ 0.50% · 4.625%
HK$127,139
+HK$6,366/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,546/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,485 · Scale 2, in force from 26 Feb 2026)