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$57,214
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,994
−HK$1,808/mo
Today · 4.125%
HK$60,802
baseline
▲ 0.50% · 4.625%
HK$64,501
+HK$3,699/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,604/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,650
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,357
−HK$1,732/mo
Today · 4.125%
HK$67,089
baseline
▲ 0.50% · 4.625%
HK$70,625
+HK$3,536/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,178/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,657
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,792
−HK$2,170/mo
Today · 4.125%
HK$72,962
baseline
▲ 0.50% · 4.625%
HK$77,402
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$145,924/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,380
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,428
−HK$2,078/mo
Today · 4.125%
HK$80,506
baseline
▲ 0.50% · 4.625%
HK$84,750
+HK$4,244/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$161,012/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,099
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,591
−HK$2,531/mo
Today · 4.125%
HK$85,122
baseline
▲ 0.50% · 4.625%
HK$90,302
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,244/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,110
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,500
−HK$2,424/mo
Today · 4.125%
HK$93,924
baseline
▲ 0.50% · 4.625%
HK$98,875
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,848/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,985
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,188
−HK$3,255/mo
Today · 4.125%
HK$109,443
baseline
▲ 0.50% · 4.625%
HK$116,102
+HK$6,659/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,886/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,570
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,643
−HK$3,117/mo
Today · 4.125%
HK$120,760
baseline
▲ 0.50% · 4.625%
HK$127,125
+HK$6,365/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,520/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,368 · Scale 2, in force from 26 Feb 2026)