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$3,585/mo
▼ 0.25% · 3.875%
HK$58,937
−HK$1,807/mo
Today · 4.125%
HK$60,744
baseline
▲ 0.50% · 4.625%
HK$64,440
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,488/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,589
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,295
−HK$1,730/mo
Today · 4.125%
HK$67,025
baseline
▲ 0.50% · 4.625%
HK$70,558
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,050/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,591
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,725
−HK$2,167/mo
Today · 4.125%
HK$72,892
baseline
▲ 0.50% · 4.625%
HK$77,328
+HK$4,436/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$1,065,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,307
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,354
−HK$2,076/mo
Today · 4.125%
HK$80,430
baseline
▲ 0.50% · 4.625%
HK$84,669
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,860/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,023
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,512
−HK$2,529/mo
Today · 4.125%
HK$85,041
baseline
▲ 0.50% · 4.625%
HK$90,216
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,082/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,025
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,412
−HK$2,423/mo
Today · 4.125%
HK$93,835
baseline
▲ 0.50% · 4.625%
HK$98,781
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,670/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,887
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,087
−HK$3,252/mo
Today · 4.125%
HK$109,339
baseline
▲ 0.50% · 4.625%
HK$115,992
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,678/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,461
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,530
−HK$3,115/mo
Today · 4.125%
HK$120,645
baseline
▲ 0.50% · 4.625%
HK$127,004
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,290/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,351 · Scale 2, in force from 26 Feb 2026)