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$57,130
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,907
−HK$1,806/mo
Today · 4.125%
HK$60,713
baseline
▲ 0.50% · 4.625%
HK$64,407
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,426/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,557
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,261
−HK$1,729/mo
Today · 4.125%
HK$66,990
baseline
▲ 0.50% · 4.625%
HK$70,522
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,980/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,556
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,689
−HK$2,166/mo
Today · 4.125%
HK$72,855
baseline
▲ 0.50% · 4.625%
HK$77,288
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,710/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,268
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,314
−HK$2,075/mo
Today · 4.125%
HK$80,389
baseline
▲ 0.50% · 4.625%
HK$84,626
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,778/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,982
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,470
−HK$2,528/mo
Today · 4.125%
HK$84,998
baseline
▲ 0.50% · 4.625%
HK$90,170
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,996/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,979
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,366
−HK$2,421/mo
Today · 4.125%
HK$93,787
baseline
▲ 0.50% · 4.625%
HK$98,730
+HK$4,943/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,574/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,834
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,033
−HK$3,250/mo
Today · 4.125%
HK$109,283
baseline
▲ 0.50% · 4.625%
HK$115,932
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,566/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,402
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,470
−HK$3,113/mo
Today · 4.125%
HK$120,583
baseline
▲ 0.50% · 4.625%
HK$126,939
+HK$6,356/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,166/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,807 · Scale 2, in force from 26 Feb 2026)