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$57,208
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,988
−HK$1,808/mo
Today · 4.125%
HK$60,796
baseline
▲ 0.50% · 4.625%
HK$64,495
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,592/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,644
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,351
−HK$1,731/mo
Today · 4.125%
HK$67,082
baseline
▲ 0.50% · 4.625%
HK$70,618
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,164/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,650
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,785
−HK$2,170/mo
Today · 4.125%
HK$72,955
baseline
▲ 0.50% · 4.625%
HK$77,394
+HK$4,439/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$145,910/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,373
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,421
−HK$2,078/mo
Today · 4.125%
HK$80,499
baseline
▲ 0.50% · 4.625%
HK$84,742
+HK$4,243/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$160,998/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,092
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,583
−HK$2,531/mo
Today · 4.125%
HK$85,114
baseline
▲ 0.50% · 4.625%
HK$90,293
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,228/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,101
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,491
−HK$2,424/mo
Today · 4.125%
HK$93,915
baseline
▲ 0.50% · 4.625%
HK$98,866
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,830/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,975
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,178
−HK$3,255/mo
Today · 4.125%
HK$109,433
baseline
▲ 0.50% · 4.625%
HK$116,091
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,866/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,559
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,631
−HK$3,117/mo
Today · 4.125%
HK$120,748
baseline
▲ 0.50% · 4.625%
HK$127,113
+HK$6,365/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,496/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,265 · Scale 2, in force from 26 Feb 2026)