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$57,118
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,895
−HK$1,805/mo
Today · 4.125%
HK$60,700
baseline
▲ 0.50% · 4.625%
HK$64,393
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,400/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,543
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,247
−HK$1,729/mo
Today · 4.125%
HK$66,976
baseline
▲ 0.50% · 4.625%
HK$70,507
+HK$3,531/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,952/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,542
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,674
−HK$2,166/mo
Today · 4.125%
HK$72,840
baseline
▲ 0.50% · 4.625%
HK$77,272
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,680/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,252
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,297
−HK$2,075/mo
Today · 4.125%
HK$80,372
baseline
▲ 0.50% · 4.625%
HK$84,608
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,744/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,965
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,453
−HK$2,527/mo
Today · 4.125%
HK$84,980
baseline
▲ 0.50% · 4.625%
HK$90,151
+HK$5,171/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,960/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,961
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,346
−HK$2,421/mo
Today · 4.125%
HK$93,767
baseline
▲ 0.50% · 4.625%
HK$98,709
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,534/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,813
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,011
−HK$3,249/mo
Today · 4.125%
HK$109,260
baseline
▲ 0.50% · 4.625%
HK$115,908
+HK$6,648/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,520/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,378
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,445
−HK$3,112/mo
Today · 4.125%
HK$120,557
baseline
▲ 0.50% · 4.625%
HK$126,912
+HK$6,355/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,114/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,581 · Scale 2, in force from 26 Feb 2026)