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$57,204
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,983
−HK$1,808/mo
Today · 4.125%
HK$60,791
baseline
▲ 0.50% · 4.625%
HK$64,490
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,582/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,639
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,345
−HK$1,732/mo
Today · 4.125%
HK$67,077
baseline
▲ 0.50% · 4.625%
HK$70,613
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,154/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,645
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,780
−HK$2,169/mo
Today · 4.125%
HK$72,949
baseline
▲ 0.50% · 4.625%
HK$77,388
+HK$4,439/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,898/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,366
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,415
−HK$2,077/mo
Today · 4.125%
HK$80,492
baseline
▲ 0.50% · 4.625%
HK$84,735
+HK$4,243/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,984/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,085
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,577
−HK$2,530/mo
Today · 4.125%
HK$85,107
baseline
▲ 0.50% · 4.625%
HK$90,286
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,214/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,094
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,484
−HK$2,424/mo
Today · 4.125%
HK$93,908
baseline
▲ 0.50% · 4.625%
HK$98,858
+HK$4,950/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,816/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,967
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,170
−HK$3,254/mo
Today · 4.125%
HK$109,424
baseline
▲ 0.50% · 4.625%
HK$116,082
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,848/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,550
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,622
−HK$3,116/mo
Today · 4.125%
HK$120,738
baseline
▲ 0.50% · 4.625%
HK$127,103
+HK$6,365/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,476/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,181 · Scale 2, in force from 26 Feb 2026)