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$57,174
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,952
−HK$1,807/mo
Today · 4.125%
HK$60,759
baseline
▲ 0.50% · 4.625%
HK$64,456
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,518/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,605
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,311
−HK$1,730/mo
Today · 4.125%
HK$67,041
baseline
▲ 0.50% · 4.625%
HK$70,575
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,082/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,608
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,742
−HK$2,169/mo
Today · 4.125%
HK$72,911
baseline
▲ 0.50% · 4.625%
HK$77,347
+HK$4,436/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,822/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,326
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,373
−HK$2,077/mo
Today · 4.125%
HK$80,450
baseline
▲ 0.50% · 4.625%
HK$84,690
+HK$4,240/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,900/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,043
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,533
−HK$2,529/mo
Today · 4.125%
HK$85,062
baseline
▲ 0.50% · 4.625%
HK$90,238
+HK$5,176/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,124/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,047
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,435
−HK$2,423/mo
Today · 4.125%
HK$93,858
baseline
▲ 0.50% · 4.625%
HK$98,805
+HK$4,947/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,716/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,912
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,114
−HK$3,252/mo
Today · 4.125%
HK$109,366
baseline
▲ 0.50% · 4.625%
HK$116,021
+HK$6,655/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,732/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,489
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,560
−HK$3,115/mo
Today · 4.125%
HK$120,675
baseline
▲ 0.50% · 4.625%
HK$127,035
+HK$6,360/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,350/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,616 · Scale 2, in force from 26 Feb 2026)