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$57,111
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,887
−HK$1,805/mo
Today · 4.125%
HK$60,692
baseline
▲ 0.50% · 4.625%
HK$64,385
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,384/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,535
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,239
−HK$1,729/mo
Today · 4.125%
HK$66,968
baseline
▲ 0.50% · 4.625%
HK$70,498
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,936/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,533
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,665
−HK$2,165/mo
Today · 4.125%
HK$72,830
baseline
▲ 0.50% · 4.625%
HK$77,262
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,660/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,242
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,287
−HK$2,074/mo
Today · 4.125%
HK$80,361
baseline
▲ 0.50% · 4.625%
HK$84,597
+HK$4,236/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,722/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,955
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,442
−HK$2,527/mo
Today · 4.125%
HK$84,969
baseline
▲ 0.50% · 4.625%
HK$90,139
+HK$5,170/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,938/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,949
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,335
−HK$2,420/mo
Today · 4.125%
HK$93,755
baseline
▲ 0.50% · 4.625%
HK$98,697
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,510/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,799
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$105,997
−HK$3,249/mo
Today · 4.125%
HK$109,246
baseline
▲ 0.50% · 4.625%
HK$115,893
+HK$6,647/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,492/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,363
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,430
−HK$3,112/mo
Today · 4.125%
HK$120,542
baseline
▲ 0.50% · 4.625%
HK$126,896
+HK$6,354/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,084/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,443 · Scale 2, in force from 26 Feb 2026)