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$57,131
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,908
−HK$1,805/mo
Today · 4.125%
HK$60,713
baseline
▲ 0.50% · 4.625%
HK$64,408
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,426/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,557
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,262
−HK$1,729/mo
Today · 4.125%
HK$66,991
baseline
▲ 0.50% · 4.625%
HK$70,522
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,982/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,557
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,689
−HK$2,167/mo
Today · 4.125%
HK$72,856
baseline
▲ 0.50% · 4.625%
HK$77,289
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,712/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,269
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,314
−HK$2,075/mo
Today · 4.125%
HK$80,389
baseline
▲ 0.50% · 4.625%
HK$84,627
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,778/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,983
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,471
−HK$2,528/mo
Today · 4.125%
HK$84,999
baseline
▲ 0.50% · 4.625%
HK$90,171
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,998/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,980
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,367
−HK$2,421/mo
Today · 4.125%
HK$93,788
baseline
▲ 0.50% · 4.625%
HK$98,731
+HK$4,943/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,576/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,835
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,034
−HK$3,250/mo
Today · 4.125%
HK$109,284
baseline
▲ 0.50% · 4.625%
HK$115,934
+HK$6,650/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,568/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,403
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,471
−HK$3,113/mo
Today · 4.125%
HK$120,584
baseline
▲ 0.50% · 4.625%
HK$126,940
+HK$6,356/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,168/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,818 · Scale 2, in force from 26 Feb 2026)