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$58,941
−HK$1,807/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$1,065,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,593
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,299
−HK$1,730/mo
Today · 4.125%
HK$67,029
baseline
▲ 0.50% · 4.625%
HK$70,562
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,058/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,596
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,729
−HK$2,168/mo
Today · 4.125%
HK$72,897
baseline
▲ 0.50% · 4.625%
HK$77,333
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,794/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,422 · 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$1,065,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,028
−HK$5,019/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$1,065,422 · 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$98,787
+HK$4,946/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$1,065,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,894
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,094
−HK$3,252/mo
Today · 4.125%
HK$109,346
baseline
▲ 0.50% · 4.625%
HK$115,999
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,692/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,468
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,538
−HK$3,115/mo
Today · 4.125%
HK$120,653
baseline
▲ 0.50% · 4.625%
HK$127,012
+HK$6,359/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$1,065,422 · Scale 2, in force from 26 Feb 2026)