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$57,126
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,903
−HK$1,805/mo
Today · 4.125%
HK$60,708
baseline
▲ 0.50% · 4.625%
HK$64,402
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,416/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,552
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,257
−HK$1,729/mo
Today · 4.125%
HK$66,986
baseline
▲ 0.50% · 4.625%
HK$70,517
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,972/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,551
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,684
−HK$2,166/mo
Today · 4.125%
HK$72,850
baseline
▲ 0.50% · 4.625%
HK$77,283
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,700/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,263
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,308
−HK$2,075/mo
Today · 4.125%
HK$80,383
baseline
▲ 0.50% · 4.625%
HK$84,620
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,766/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,976
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,464
−HK$2,528/mo
Today · 4.125%
HK$84,992
baseline
▲ 0.50% · 4.625%
HK$90,163
+HK$5,171/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,984/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,973
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,359
−HK$2,421/mo
Today · 4.125%
HK$93,780
baseline
▲ 0.50% · 4.625%
HK$98,723
+HK$4,943/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,560/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,827
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,025
−HK$3,250/mo
Today · 4.125%
HK$109,275
baseline
▲ 0.50% · 4.625%
HK$115,924
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,550/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,394
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,462
−HK$3,112/mo
Today · 4.125%
HK$120,574
baseline
▲ 0.50% · 4.625%
HK$126,930
+HK$6,356/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,148/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,730 · Scale 2, in force from 26 Feb 2026)