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$57,196
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,975
−HK$1,807/mo
Today · 4.125%
HK$60,782
baseline
▲ 0.50% · 4.625%
HK$64,481
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,564/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,630
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,336
−HK$1,731/mo
Today · 4.125%
HK$67,067
baseline
▲ 0.50% · 4.625%
HK$70,603
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,134/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,635
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,770
−HK$2,169/mo
Today · 4.125%
HK$72,939
baseline
▲ 0.50% · 4.625%
HK$77,377
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,878/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,356
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,404
−HK$2,077/mo
Today · 4.125%
HK$80,481
baseline
▲ 0.50% · 4.625%
HK$84,723
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,962/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,074
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,565
−HK$2,530/mo
Today · 4.125%
HK$85,095
baseline
▲ 0.50% · 4.625%
HK$90,273
+HK$5,178/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$170,190/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,082
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,471
−HK$2,423/mo
Today · 4.125%
HK$93,894
baseline
▲ 0.50% · 4.625%
HK$98,844
+HK$4,950/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$187,788/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,952
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$106,155
−HK$3,253/mo
Today · 4.125%
HK$109,408
baseline
▲ 0.50% · 4.625%
HK$116,066
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,816/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,534
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,605
−HK$3,116/mo
Today · 4.125%
HK$120,721
baseline
▲ 0.50% · 4.625%
HK$127,085
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,442/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,030 · Scale 2, in force from 26 Feb 2026)