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$57,123
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,899
−HK$1,806/mo
Today · 4.125%
HK$60,705
baseline
▲ 0.50% · 4.625%
HK$64,398
+HK$3,693/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,410/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,548
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,253
−HK$1,729/mo
Today · 4.125%
HK$66,982
baseline
▲ 0.50% · 4.625%
HK$70,512
+HK$3,530/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,964/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,547
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,679
−HK$2,167/mo
Today · 4.125%
HK$72,846
baseline
▲ 0.50% · 4.625%
HK$77,278
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,692/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,258
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,303
−HK$2,075/mo
Today · 4.125%
HK$80,378
baseline
▲ 0.50% · 4.625%
HK$84,615
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,756/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,972
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,459
−HK$2,528/mo
Today · 4.125%
HK$84,987
baseline
▲ 0.50% · 4.625%
HK$90,158
+HK$5,171/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,974/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,968
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,354
−HK$2,420/mo
Today · 4.125%
HK$93,774
baseline
▲ 0.50% · 4.625%
HK$98,717
+HK$4,943/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,548/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,821
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,019
−HK$3,249/mo
Today · 4.125%
HK$109,268
baseline
▲ 0.50% · 4.625%
HK$115,917
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,536/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,387
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,455
−HK$3,112/mo
Today · 4.125%
HK$120,567
baseline
▲ 0.50% · 4.625%
HK$126,922
+HK$6,355/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,134/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,666 · Scale 2, in force from 26 Feb 2026)