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$57,149
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,926
−HK$1,806/mo
Today · 4.125%
HK$60,732
baseline
▲ 0.50% · 4.625%
HK$64,428
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,464/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,577
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,282
−HK$1,730/mo
Today · 4.125%
HK$67,012
baseline
▲ 0.50% · 4.625%
HK$70,544
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,024/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,578
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,712
−HK$2,167/mo
Today · 4.125%
HK$72,879
baseline
▲ 0.50% · 4.625%
HK$77,313
+HK$4,434/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$145,758/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,293
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,339
−HK$2,076/mo
Today · 4.125%
HK$80,415
baseline
▲ 0.50% · 4.625%
HK$84,653
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$160,830/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,008
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,497
−HK$2,528/mo
Today · 4.125%
HK$85,025
baseline
▲ 0.50% · 4.625%
HK$90,199
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,050/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,008
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,395
−HK$2,422/mo
Today · 4.125%
HK$93,817
baseline
▲ 0.50% · 4.625%
HK$98,762
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,634/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,868
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,067
−HK$3,251/mo
Today · 4.125%
HK$109,318
baseline
▲ 0.50% · 4.625%
HK$115,970
+HK$6,652/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,636/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,439
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,508
−HK$3,114/mo
Today · 4.125%
HK$120,622
baseline
▲ 0.50% · 4.625%
HK$126,980
+HK$6,358/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,244/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,152 · Scale 2, in force from 26 Feb 2026)