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$57,210
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,990
−HK$1,808/mo
Today · 4.125%
HK$60,798
baseline
▲ 0.50% · 4.625%
HK$64,497
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,596/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,646
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,353
−HK$1,732/mo
Today · 4.125%
HK$67,085
baseline
▲ 0.50% · 4.625%
HK$70,621
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,170/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,653
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,788
−HK$2,170/mo
Today · 4.125%
HK$72,958
baseline
▲ 0.50% · 4.625%
HK$77,397
+HK$4,439/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$145,916/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,375
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,424
−HK$2,078/mo
Today · 4.125%
HK$80,502
baseline
▲ 0.50% · 4.625%
HK$84,745
+HK$4,243/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$161,004/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,095
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,586
−HK$2,531/mo
Today · 4.125%
HK$85,117
baseline
▲ 0.50% · 4.625%
HK$90,296
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,234/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,104
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,494
−HK$2,424/mo
Today · 4.125%
HK$93,918
baseline
▲ 0.50% · 4.625%
HK$98,869
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,836/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,979
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,182
−HK$3,254/mo
Today · 4.125%
HK$109,436
baseline
▲ 0.50% · 4.625%
HK$116,095
+HK$6,659/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,872/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,563
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,635
−HK$3,117/mo
Today · 4.125%
HK$120,752
baseline
▲ 0.50% · 4.625%
HK$127,117
+HK$6,365/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,504/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,303 · Scale 2, in force from 26 Feb 2026)