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$57,158
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,936
−HK$1,806/mo
Today · 4.125%
HK$60,742
baseline
▲ 0.50% · 4.625%
HK$64,438
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,484/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,587
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,293
−HK$1,730/mo
Today · 4.125%
HK$67,023
baseline
▲ 0.50% · 4.625%
HK$70,556
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,046/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,589
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,723
−HK$2,168/mo
Today · 4.125%
HK$72,891
baseline
▲ 0.50% · 4.625%
HK$77,326
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,782/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,305
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,351
−HK$2,076/mo
Today · 4.125%
HK$80,427
baseline
▲ 0.50% · 4.625%
HK$84,667
+HK$4,240/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,854/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,021
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,510
−HK$2,529/mo
Today · 4.125%
HK$85,039
baseline
▲ 0.50% · 4.625%
HK$90,213
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,078/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,022
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,410
−HK$2,422/mo
Today · 4.125%
HK$93,832
baseline
▲ 0.50% · 4.625%
HK$98,778
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,664/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,884
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,084
−HK$3,252/mo
Today · 4.125%
HK$109,336
baseline
▲ 0.50% · 4.625%
HK$115,989
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,672/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,457
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,527
−HK$3,114/mo
Today · 4.125%
HK$120,641
baseline
▲ 0.50% · 4.625%
HK$127,000
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,282/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,322 · Scale 2, in force from 26 Feb 2026)