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$57,254
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,035
−HK$1,810/mo
Today · 4.125%
HK$60,845
baseline
▲ 0.50% · 4.625%
HK$64,547
+HK$3,702/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,690/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,695
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,403
−HK$1,733/mo
Today · 4.125%
HK$67,136
baseline
▲ 0.50% · 4.625%
HK$70,675
+HK$3,539/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,272/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,705
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,842
−HK$2,172/mo
Today · 4.125%
HK$73,014
baseline
▲ 0.50% · 4.625%
HK$77,456
+HK$4,442/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$146,028/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,434
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,484
−HK$2,079/mo
Today · 4.125%
HK$80,563
baseline
▲ 0.50% · 4.625%
HK$84,810
+HK$4,247/mo
Deposit HK$10.04M · loan HK$15.07M · min. income ≈ HK$161,126/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,156
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,649
−HK$2,534/mo
Today · 4.125%
HK$85,183
baseline
▲ 0.50% · 4.625%
HK$90,366
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,366/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,173
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,564
−HK$2,427/mo
Today · 4.125%
HK$93,991
baseline
▲ 0.50% · 4.625%
HK$98,945
+HK$4,954/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$187,982/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,058
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,264
−HK$3,256/mo
Today · 4.125%
HK$109,520
baseline
▲ 0.50% · 4.625%
HK$116,185
+HK$6,665/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,040/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,651
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,726
−HK$3,119/mo
Today · 4.125%
HK$120,845
baseline
▲ 0.50% · 4.625%
HK$127,215
+HK$6,370/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,690/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,122 · Scale 2, in force from 26 Feb 2026)