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$57,205
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,984
−HK$1,808/mo
Today · 4.125%
HK$60,792
baseline
▲ 0.50% · 4.625%
HK$64,491
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,584/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,640
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,347
−HK$1,731/mo
Today · 4.125%
HK$67,078
baseline
▲ 0.50% · 4.625%
HK$70,614
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,156/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,646
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,781
−HK$2,170/mo
Today · 4.125%
HK$72,951
baseline
▲ 0.50% · 4.625%
HK$77,389
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,902/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,368
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,416
−HK$2,078/mo
Today · 4.125%
HK$80,494
baseline
▲ 0.50% · 4.625%
HK$84,737
+HK$4,243/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,988/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,087
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,578
−HK$2,531/mo
Today · 4.125%
HK$85,109
baseline
▲ 0.50% · 4.625%
HK$90,288
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,218/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,096
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,485
−HK$2,424/mo
Today · 4.125%
HK$93,909
baseline
▲ 0.50% · 4.625%
HK$98,860
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,818/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,969
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,172
−HK$3,254/mo
Today · 4.125%
HK$109,426
baseline
▲ 0.50% · 4.625%
HK$116,084
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,852/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,552
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,624
−HK$3,117/mo
Today · 4.125%
HK$120,741
baseline
▲ 0.50% · 4.625%
HK$127,105
+HK$6,364/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,482/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,066,200 · Scale 2, in force from 26 Feb 2026)