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$57,163
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,942
−HK$1,806/mo
Today · 4.125%
HK$60,748
baseline
▲ 0.50% · 4.625%
HK$64,444
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,496/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,594
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,299
−HK$1,731/mo
Today · 4.125%
HK$67,030
baseline
▲ 0.50% · 4.625%
HK$70,563
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,060/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,596
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,730
−HK$2,168/mo
Today · 4.125%
HK$72,898
baseline
▲ 0.50% · 4.625%
HK$77,333
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,796/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,312
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,359
−HK$2,076/mo
Today · 4.125%
HK$80,435
baseline
▲ 0.50% · 4.625%
HK$84,675
+HK$4,240/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,870/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,029
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,518
−HK$2,529/mo
Today · 4.125%
HK$85,047
baseline
▲ 0.50% · 4.625%
HK$90,222
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,094/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,031
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,419
−HK$2,422/mo
Today · 4.125%
HK$93,841
baseline
▲ 0.50% · 4.625%
HK$98,788
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,682/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,894
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,095
−HK$3,252/mo
Today · 4.125%
HK$109,347
baseline
▲ 0.50% · 4.625%
HK$116,000
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,694/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,469
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,539
−HK$3,114/mo
Today · 4.125%
HK$120,653
baseline
▲ 0.50% · 4.625%
HK$127,013
+HK$6,360/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,306/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,427 · Scale 2, in force from 26 Feb 2026)