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$57,172
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,950
−HK$1,807/mo
Today · 4.125%
HK$60,757
baseline
▲ 0.50% · 4.625%
HK$64,454
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,514/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,603
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,309
−HK$1,731/mo
Today · 4.125%
HK$67,040
baseline
▲ 0.50% · 4.625%
HK$70,573
+HK$3,533/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,080/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,606
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,740
−HK$2,169/mo
Today · 4.125%
HK$72,909
baseline
▲ 0.50% · 4.625%
HK$77,345
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,818/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,324
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,371
−HK$2,076/mo
Today · 4.125%
HK$80,447
baseline
▲ 0.50% · 4.625%
HK$84,688
+HK$4,241/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,894/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,041
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,530
−HK$2,530/mo
Today · 4.125%
HK$85,060
baseline
▲ 0.50% · 4.625%
HK$90,236
+HK$5,176/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,120/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,045
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,433
−HK$2,422/mo
Today · 4.125%
HK$93,855
baseline
▲ 0.50% · 4.625%
HK$98,803
+HK$4,948/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,710/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,910
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,111
−HK$3,252/mo
Today · 4.125%
HK$109,363
baseline
▲ 0.50% · 4.625%
HK$116,017
+HK$6,654/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,726/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,486
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,556
−HK$3,115/mo
Today · 4.125%
HK$120,671
baseline
▲ 0.50% · 4.625%
HK$127,032
+HK$6,361/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,342/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,586 · Scale 2, in force from 26 Feb 2026)