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$57,146
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,923
−HK$1,806/mo
Today · 4.125%
HK$60,729
baseline
▲ 0.50% · 4.625%
HK$64,425
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,458/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,574
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,279
−HK$1,730/mo
Today · 4.125%
HK$67,009
baseline
▲ 0.50% · 4.625%
HK$70,541
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,018/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,575
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,708
−HK$2,167/mo
Today · 4.125%
HK$72,875
baseline
▲ 0.50% · 4.625%
HK$77,309
+HK$4,434/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$145,750/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,289
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,335
−HK$2,076/mo
Today · 4.125%
HK$80,411
baseline
▲ 0.50% · 4.625%
HK$84,649
+HK$4,238/mo
Deposit HK$10.02M · loan HK$15.04M · min. income ≈ HK$160,822/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,004
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,493
−HK$2,528/mo
Today · 4.125%
HK$85,021
baseline
▲ 0.50% · 4.625%
HK$90,194
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,042/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,004
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,391
−HK$2,421/mo
Today · 4.125%
HK$93,812
baseline
▲ 0.50% · 4.625%
HK$98,757
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,624/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,862
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,062
−HK$3,251/mo
Today · 4.125%
HK$109,313
baseline
▲ 0.50% · 4.625%
HK$115,964
+HK$6,651/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,626/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,433
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,502
−HK$3,114/mo
Today · 4.125%
HK$120,616
baseline
▲ 0.50% · 4.625%
HK$126,974
+HK$6,358/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,232/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,098 · Scale 2, in force from 26 Feb 2026)