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$57,159
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,937
−HK$1,806/mo
Today · 4.125%
HK$60,743
baseline
▲ 0.50% · 4.625%
HK$64,439
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,486/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,588
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,294
−HK$1,730/mo
Today · 4.125%
HK$67,024
baseline
▲ 0.50% · 4.625%
HK$70,557
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,048/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,590
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,724
−HK$2,168/mo
Today · 4.125%
HK$72,892
baseline
▲ 0.50% · 4.625%
HK$77,327
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,784/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,306
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,353
−HK$2,076/mo
Today · 4.125%
HK$80,429
baseline
▲ 0.50% · 4.625%
HK$84,668
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,858/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,022
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,511
−HK$2,529/mo
Today · 4.125%
HK$85,040
baseline
▲ 0.50% · 4.625%
HK$90,215
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,080/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,024
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,411
−HK$2,422/mo
Today · 4.125%
HK$93,833
baseline
▲ 0.50% · 4.625%
HK$98,780
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,666/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,886
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,086
−HK$3,251/mo
Today · 4.125%
HK$109,337
baseline
▲ 0.50% · 4.625%
HK$115,990
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,674/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,459
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,529
−HK$3,114/mo
Today · 4.125%
HK$120,643
baseline
▲ 0.50% · 4.625%
HK$127,002
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,286/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,338 · Scale 2, in force from 26 Feb 2026)