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$57,113
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,890
−HK$1,805/mo
Today · 4.125%
HK$60,695
baseline
▲ 0.50% · 4.625%
HK$64,388
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,390/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,538
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,242
−HK$1,729/mo
Today · 4.125%
HK$66,971
baseline
▲ 0.50% · 4.625%
HK$70,501
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,942/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,536
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,668
−HK$2,166/mo
Today · 4.125%
HK$72,834
baseline
▲ 0.50% · 4.625%
HK$77,265
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,668/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,245
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,290
−HK$2,075/mo
Today · 4.125%
HK$80,365
baseline
▲ 0.50% · 4.625%
HK$84,601
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,730/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,958
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,446
−HK$2,526/mo
Today · 4.125%
HK$84,972
baseline
▲ 0.50% · 4.625%
HK$90,143
+HK$5,171/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,944/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,953
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,339
−HK$2,420/mo
Today · 4.125%
HK$93,759
baseline
▲ 0.50% · 4.625%
HK$98,701
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,518/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,804
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$106,001
−HK$3,249/mo
Today · 4.125%
HK$109,250
baseline
▲ 0.50% · 4.625%
HK$115,898
+HK$6,648/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,500/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,368
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,435
−HK$3,112/mo
Today · 4.125%
HK$120,547
baseline
▲ 0.50% · 4.625%
HK$126,901
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,094/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,489 · Scale 2, in force from 26 Feb 2026)