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$57,251
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,032
−HK$1,809/mo
Today · 4.125%
HK$60,841
baseline
▲ 0.50% · 4.625%
HK$64,543
+HK$3,702/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,682/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,691
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,399
−HK$1,733/mo
Today · 4.125%
HK$67,132
baseline
▲ 0.50% · 4.625%
HK$70,671
+HK$3,539/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,264/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,701
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,838
−HK$2,171/mo
Today · 4.125%
HK$73,009
baseline
▲ 0.50% · 4.625%
HK$77,452
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$146,018/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,429
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,479
−HK$2,080/mo
Today · 4.125%
HK$80,559
baseline
▲ 0.50% · 4.625%
HK$84,805
+HK$4,246/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,118/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,151
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,645
−HK$2,533/mo
Today · 4.125%
HK$85,178
baseline
▲ 0.50% · 4.625%
HK$90,361
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,356/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,168
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,559
−HK$2,426/mo
Today · 4.125%
HK$93,985
baseline
▲ 0.50% · 4.625%
HK$98,939
+HK$4,954/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$187,970/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,052
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,257
−HK$3,257/mo
Today · 4.125%
HK$109,514
baseline
▲ 0.50% · 4.625%
HK$116,178
+HK$6,664/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,028/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,644
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,719
−HK$3,119/mo
Today · 4.125%
HK$120,838
baseline
▲ 0.50% · 4.625%
HK$127,208
+HK$6,370/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,676/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,060 · Scale 2, in force from 26 Feb 2026)