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$57,137
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,914
−HK$1,806/mo
Today · 4.125%
HK$60,720
baseline
▲ 0.50% · 4.625%
HK$64,414
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,440/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,564
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,269
−HK$1,729/mo
Today · 4.125%
HK$66,998
baseline
▲ 0.50% · 4.625%
HK$70,530
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,996/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,564
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,697
−HK$2,167/mo
Today · 4.125%
HK$72,864
baseline
▲ 0.50% · 4.625%
HK$77,297
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,728/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,277
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,323
−HK$2,075/mo
Today · 4.125%
HK$80,398
baseline
▲ 0.50% · 4.625%
HK$84,636
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,796/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,992
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,480
−HK$2,528/mo
Today · 4.125%
HK$85,008
baseline
▲ 0.50% · 4.625%
HK$90,180
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,016/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,990
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,376
−HK$2,422/mo
Today · 4.125%
HK$93,798
baseline
▲ 0.50% · 4.625%
HK$98,742
+HK$4,944/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,596/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,846
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,045
−HK$3,251/mo
Today · 4.125%
HK$109,296
baseline
▲ 0.50% · 4.625%
HK$115,946
+HK$6,650/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,592/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,415
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,484
−HK$3,113/mo
Today · 4.125%
HK$120,597
baseline
▲ 0.50% · 4.625%
HK$126,954
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,194/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,931 · Scale 2, in force from 26 Feb 2026)