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$57,129
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,906
−HK$1,806/mo
Today · 4.125%
HK$60,712
baseline
▲ 0.50% · 4.625%
HK$64,406
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,424/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,556
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,260
−HK$1,729/mo
Today · 4.125%
HK$66,989
baseline
▲ 0.50% · 4.625%
HK$70,520
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,978/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,555
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,687
−HK$2,167/mo
Today · 4.125%
HK$72,854
baseline
▲ 0.50% · 4.625%
HK$77,287
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,708/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,267
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,312
−HK$2,075/mo
Today · 4.125%
HK$80,387
baseline
▲ 0.50% · 4.625%
HK$84,624
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,774/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,981
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,469
−HK$2,527/mo
Today · 4.125%
HK$84,996
baseline
▲ 0.50% · 4.625%
HK$90,168
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,992/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,978
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,364
−HK$2,421/mo
Today · 4.125%
HK$93,785
baseline
▲ 0.50% · 4.625%
HK$98,729
+HK$4,944/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,570/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,832
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,031
−HK$3,250/mo
Today · 4.125%
HK$109,281
baseline
▲ 0.50% · 4.625%
HK$115,930
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,562/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,400
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,468
−HK$3,113/mo
Today · 4.125%
HK$120,581
baseline
▲ 0.50% · 4.625%
HK$126,937
+HK$6,356/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,162/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,788 · Scale 2, in force from 26 Feb 2026)