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$57,224
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,004
−HK$1,809/mo
Today · 4.125%
HK$60,813
baseline
▲ 0.50% · 4.625%
HK$64,513
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,626/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,662
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,369
−HK$1,732/mo
Today · 4.125%
HK$67,101
baseline
▲ 0.50% · 4.625%
HK$70,638
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,202/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,669
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,805
−HK$2,170/mo
Today · 4.125%
HK$72,975
baseline
▲ 0.50% · 4.625%
HK$77,416
+HK$4,441/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,950/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,394
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,443
−HK$2,078/mo
Today · 4.125%
HK$80,521
baseline
▲ 0.50% · 4.625%
HK$84,766
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,042/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,114
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,606
−HK$2,532/mo
Today · 4.125%
HK$85,138
baseline
▲ 0.50% · 4.625%
HK$90,318
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,276/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,126
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,516
−HK$2,425/mo
Today · 4.125%
HK$93,941
baseline
▲ 0.50% · 4.625%
HK$98,893
+HK$4,952/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,882/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,004
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,208
−HK$3,255/mo
Today · 4.125%
HK$109,463
baseline
▲ 0.50% · 4.625%
HK$116,124
+HK$6,661/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,926/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,591
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,664
−HK$3,118/mo
Today · 4.125%
HK$120,782
baseline
▲ 0.50% · 4.625%
HK$127,148
+HK$6,366/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,564/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,563 · Scale 2, in force from 26 Feb 2026)