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$57,200
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,980
−HK$1,807/mo
Today · 4.125%
HK$60,787
baseline
▲ 0.50% · 4.625%
HK$64,486
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,574/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,635
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,341
−HK$1,732/mo
Today · 4.125%
HK$67,073
baseline
▲ 0.50% · 4.625%
HK$70,608
+HK$3,535/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,146/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,640
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,775
−HK$2,170/mo
Today · 4.125%
HK$72,945
baseline
▲ 0.50% · 4.625%
HK$77,383
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,890/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,362
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,410
−HK$2,077/mo
Today · 4.125%
HK$80,487
baseline
▲ 0.50% · 4.625%
HK$84,730
+HK$4,243/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,974/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,080
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,571
−HK$2,531/mo
Today · 4.125%
HK$85,102
baseline
▲ 0.50% · 4.625%
HK$90,280
+HK$5,178/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,204/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,089
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,478
−HK$2,424/mo
Today · 4.125%
HK$93,902
baseline
▲ 0.50% · 4.625%
HK$98,852
+HK$4,950/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,804/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,961
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$106,163
−HK$3,254/mo
Today · 4.125%
HK$109,417
baseline
▲ 0.50% · 4.625%
HK$116,075
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,834/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,543
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,615
−HK$3,116/mo
Today · 4.125%
HK$120,731
baseline
▲ 0.50% · 4.625%
HK$127,095
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,462/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,114 · Scale 2, in force from 26 Feb 2026)