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$57,122
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,899
−HK$1,805/mo
Today · 4.125%
HK$60,704
baseline
▲ 0.50% · 4.625%
HK$64,398
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,408/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,547
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,252
−HK$1,729/mo
Today · 4.125%
HK$66,981
baseline
▲ 0.50% · 4.625%
HK$70,511
+HK$3,530/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,962/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,546
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,678
−HK$2,167/mo
Today · 4.125%
HK$72,845
baseline
▲ 0.50% · 4.625%
HK$77,277
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,690/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,257
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,302
−HK$2,075/mo
Today · 4.125%
HK$80,377
baseline
▲ 0.50% · 4.625%
HK$84,614
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,754/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,971
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,458
−HK$2,527/mo
Today · 4.125%
HK$84,985
baseline
▲ 0.50% · 4.625%
HK$90,157
+HK$5,172/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,970/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,966
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,352
−HK$2,421/mo
Today · 4.125%
HK$93,773
baseline
▲ 0.50% · 4.625%
HK$98,716
+HK$4,943/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,546/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,819
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,018
−HK$3,249/mo
Today · 4.125%
HK$109,267
baseline
▲ 0.50% · 4.625%
HK$115,916
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,534/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,385
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,453
−HK$3,112/mo
Today · 4.125%
HK$120,565
baseline
▲ 0.50% · 4.625%
HK$126,920
+HK$6,355/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,130/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,651 · Scale 2, in force from 26 Feb 2026)