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$57,091
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,867
−HK$1,804/mo
Today · 4.125%
HK$60,671
baseline
▲ 0.50% · 4.625%
HK$64,363
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,342/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,514
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,217
−HK$1,728/mo
Today · 4.125%
HK$66,945
baseline
▲ 0.50% · 4.625%
HK$70,474
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,890/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,510
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,641
−HK$2,165/mo
Today · 4.125%
HK$72,806
baseline
▲ 0.50% · 4.625%
HK$77,236
+HK$4,430/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,612/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,216
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,260
−HK$2,074/mo
Today · 4.125%
HK$80,334
baseline
▲ 0.50% · 4.625%
HK$84,568
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,668/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,928
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,414
−HK$2,526/mo
Today · 4.125%
HK$84,940
baseline
▲ 0.50% · 4.625%
HK$90,108
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,880/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,919
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,304
−HK$2,419/mo
Today · 4.125%
HK$93,723
baseline
▲ 0.50% · 4.625%
HK$98,663
+HK$4,940/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,446/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,764
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,961
−HK$3,248/mo
Today · 4.125%
HK$109,209
baseline
▲ 0.50% · 4.625%
HK$115,854
+HK$6,645/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,418/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,324
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,390
−HK$3,111/mo
Today · 4.125%
HK$120,501
baseline
▲ 0.50% · 4.625%
HK$126,853
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$241,002/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,083 · Scale 2, in force from 26 Feb 2026)