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$57,128
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,905
−HK$1,805/mo
Today · 4.125%
HK$60,710
baseline
▲ 0.50% · 4.625%
HK$64,404
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,420/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,554
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,259
−HK$1,729/mo
Today · 4.125%
HK$66,988
baseline
▲ 0.50% · 4.625%
HK$70,519
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,976/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,554
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,686
−HK$2,166/mo
Today · 4.125%
HK$72,852
baseline
▲ 0.50% · 4.625%
HK$77,285
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,704/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,265
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,311
−HK$2,075/mo
Today · 4.125%
HK$80,386
baseline
▲ 0.50% · 4.625%
HK$84,623
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,772/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,979
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,467
−HK$2,528/mo
Today · 4.125%
HK$84,995
baseline
▲ 0.50% · 4.625%
HK$90,166
+HK$5,171/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,990/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,976
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,362
−HK$2,421/mo
Today · 4.125%
HK$93,783
baseline
▲ 0.50% · 4.625%
HK$98,727
+HK$4,944/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,566/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,830
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,029
−HK$3,250/mo
Today · 4.125%
HK$109,279
baseline
▲ 0.50% · 4.625%
HK$115,928
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,558/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,398
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,466
−HK$3,112/mo
Today · 4.125%
HK$120,578
baseline
▲ 0.50% · 4.625%
HK$126,934
+HK$6,356/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,156/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,766 · Scale 2, in force from 26 Feb 2026)