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$57,134
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,911
−HK$1,806/mo
Today · 4.125%
HK$60,717
baseline
▲ 0.50% · 4.625%
HK$64,411
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,434/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,561
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,266
−HK$1,729/mo
Today · 4.125%
HK$66,995
baseline
▲ 0.50% · 4.625%
HK$70,526
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,990/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,561
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,693
−HK$2,167/mo
Today · 4.125%
HK$72,860
baseline
▲ 0.50% · 4.625%
HK$77,293
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,720/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,273
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,319
−HK$2,075/mo
Today · 4.125%
HK$80,394
baseline
▲ 0.50% · 4.625%
HK$84,632
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,788/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,987
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,476
−HK$2,527/mo
Today · 4.125%
HK$85,003
baseline
▲ 0.50% · 4.625%
HK$90,176
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,006/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,985
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,372
−HK$2,421/mo
Today · 4.125%
HK$93,793
baseline
▲ 0.50% · 4.625%
HK$98,737
+HK$4,944/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,586/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,841
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,040
−HK$3,250/mo
Today · 4.125%
HK$109,290
baseline
▲ 0.50% · 4.625%
HK$115,940
+HK$6,650/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,580/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,410
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,478
−HK$3,113/mo
Today · 4.125%
HK$120,591
baseline
▲ 0.50% · 4.625%
HK$126,947
+HK$6,356/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,182/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,877 · Scale 2, in force from 26 Feb 2026)