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$57,152
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,930
−HK$1,806/mo
Today · 4.125%
HK$60,736
baseline
▲ 0.50% · 4.625%
HK$64,432
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,472/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,581
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,287
−HK$1,730/mo
Today · 4.125%
HK$67,017
baseline
▲ 0.50% · 4.625%
HK$70,549
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,034/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,583
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,716
−HK$2,168/mo
Today · 4.125%
HK$72,884
baseline
▲ 0.50% · 4.625%
HK$77,318
+HK$4,434/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,768/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,298
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,344
−HK$2,076/mo
Today · 4.125%
HK$80,420
baseline
▲ 0.50% · 4.625%
HK$84,659
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,840/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,013
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,502
−HK$2,529/mo
Today · 4.125%
HK$85,031
baseline
▲ 0.50% · 4.625%
HK$90,205
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,062/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,014
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,401
−HK$2,422/mo
Today · 4.125%
HK$93,823
baseline
▲ 0.50% · 4.625%
HK$98,769
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,646/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,874
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,074
−HK$3,251/mo
Today · 4.125%
HK$109,325
baseline
▲ 0.50% · 4.625%
HK$115,978
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,650/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,447
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,516
−HK$3,114/mo
Today · 4.125%
HK$120,630
baseline
▲ 0.50% · 4.625%
HK$126,988
+HK$6,358/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,260/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,221 · Scale 2, in force from 26 Feb 2026)