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$57,135
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,913
−HK$1,805/mo
Today · 4.125%
HK$60,718
baseline
▲ 0.50% · 4.625%
HK$64,413
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,436/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,563
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,267
−HK$1,730/mo
Today · 4.125%
HK$66,997
baseline
▲ 0.50% · 4.625%
HK$70,528
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,994/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,563
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,695
−HK$2,167/mo
Today · 4.125%
HK$72,862
baseline
▲ 0.50% · 4.625%
HK$77,295
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,724/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,275
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,321
−HK$2,075/mo
Today · 4.125%
HK$80,396
baseline
▲ 0.50% · 4.625%
HK$84,634
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,792/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,990
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,478
−HK$2,528/mo
Today · 4.125%
HK$85,006
baseline
▲ 0.50% · 4.625%
HK$90,178
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,012/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,988
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,374
−HK$2,421/mo
Today · 4.125%
HK$93,795
baseline
▲ 0.50% · 4.625%
HK$98,739
+HK$4,944/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,590/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,844
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,043
−HK$3,250/mo
Today · 4.125%
HK$109,293
baseline
▲ 0.50% · 4.625%
HK$115,943
+HK$6,650/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,586/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,413
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,481
−HK$3,113/mo
Today · 4.125%
HK$120,594
baseline
▲ 0.50% · 4.625%
HK$126,951
+HK$6,357/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,188/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,905 · Scale 2, in force from 26 Feb 2026)