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$57,098
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,874
−HK$1,804/mo
Today · 4.125%
HK$60,678
baseline
▲ 0.50% · 4.625%
HK$64,371
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,356/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,521
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,224
−HK$1,729/mo
Today · 4.125%
HK$66,953
baseline
▲ 0.50% · 4.625%
HK$70,482
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,906/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,517
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,649
−HK$2,165/mo
Today · 4.125%
HK$72,814
baseline
▲ 0.50% · 4.625%
HK$77,245
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$145,628/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,225
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,269
−HK$2,074/mo
Today · 4.125%
HK$80,343
baseline
▲ 0.50% · 4.625%
HK$84,578
+HK$4,235/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$160,686/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,937
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,424
−HK$2,526/mo
Today · 4.125%
HK$84,950
baseline
▲ 0.50% · 4.625%
HK$90,119
+HK$5,169/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,900/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,929
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,314
−HK$2,420/mo
Today · 4.125%
HK$93,734
baseline
▲ 0.50% · 4.625%
HK$98,675
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,468/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,776
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,973
−HK$3,248/mo
Today · 4.125%
HK$109,221
baseline
▲ 0.50% · 4.625%
HK$115,867
+HK$6,646/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,442/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,337
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,404
−HK$3,111/mo
Today · 4.125%
HK$120,515
baseline
▲ 0.50% · 4.625%
HK$126,867
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,030/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,205 · Scale 2, in force from 26 Feb 2026)