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$57,252
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,033
−HK$1,809/mo
Today · 4.125%
HK$60,842
baseline
▲ 0.50% · 4.625%
HK$64,544
+HK$3,702/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,684/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,692
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,400
−HK$1,733/mo
Today · 4.125%
HK$67,133
baseline
▲ 0.50% · 4.625%
HK$70,672
+HK$3,539/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,266/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,702
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,839
−HK$2,171/mo
Today · 4.125%
HK$73,010
baseline
▲ 0.50% · 4.625%
HK$77,453
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$146,020/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,431
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,480
−HK$2,080/mo
Today · 4.125%
HK$80,560
baseline
▲ 0.50% · 4.625%
HK$84,806
+HK$4,246/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,120/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,153
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,646
−HK$2,533/mo
Today · 4.125%
HK$85,179
baseline
▲ 0.50% · 4.625%
HK$90,362
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$170,358/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,169
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,560
−HK$2,426/mo
Today · 4.125%
HK$93,986
baseline
▲ 0.50% · 4.625%
HK$98,941
+HK$4,955/mo
Deposit HK$7.53M · loan HK$17.58M · min. income ≈ HK$187,972/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,053
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,259
−HK$3,257/mo
Today · 4.125%
HK$109,516
baseline
▲ 0.50% · 4.625%
HK$116,179
+HK$6,663/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,032/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,646
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,721
−HK$3,119/mo
Today · 4.125%
HK$120,840
baseline
▲ 0.50% · 4.625%
HK$127,209
+HK$6,369/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,680/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,075 · Scale 2, in force from 26 Feb 2026)