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$57,162
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,940
−HK$1,807/mo
Today · 4.125%
HK$60,747
baseline
▲ 0.50% · 4.625%
HK$64,443
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,494/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,592
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,298
−HK$1,730/mo
Today · 4.125%
HK$67,028
baseline
▲ 0.50% · 4.625%
HK$70,561
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,056/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,595
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,728
−HK$2,168/mo
Today · 4.125%
HK$72,896
baseline
▲ 0.50% · 4.625%
HK$77,332
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,792/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,311
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,357
−HK$2,077/mo
Today · 4.125%
HK$80,434
baseline
▲ 0.50% · 4.625%
HK$84,673
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,868/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,027
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,516
−HK$2,529/mo
Today · 4.125%
HK$85,045
baseline
▲ 0.50% · 4.625%
HK$90,220
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,090/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,029
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,417
−HK$2,422/mo
Today · 4.125%
HK$93,839
baseline
▲ 0.50% · 4.625%
HK$98,786
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,678/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,892
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,092
−HK$3,252/mo
Today · 4.125%
HK$109,344
baseline
▲ 0.50% · 4.625%
HK$115,997
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,688/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,466
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,536
−HK$3,114/mo
Today · 4.125%
HK$120,650
baseline
▲ 0.50% · 4.625%
HK$127,010
+HK$6,360/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,300/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,402 · Scale 2, in force from 26 Feb 2026)