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$57,229
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,009
−HK$1,809/mo
Today · 4.125%
HK$60,818
baseline
▲ 0.50% · 4.625%
HK$64,518
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,636/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,667
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,374
−HK$1,732/mo
Today · 4.125%
HK$67,106
baseline
▲ 0.50% · 4.625%
HK$70,644
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,212/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,675
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,811
−HK$2,170/mo
Today · 4.125%
HK$72,981
baseline
▲ 0.50% · 4.625%
HK$77,422
+HK$4,441/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,962/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,400
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,449
−HK$2,079/mo
Today · 4.125%
HK$80,528
baseline
▲ 0.50% · 4.625%
HK$84,773
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,056/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,121
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,613
−HK$2,532/mo
Today · 4.125%
HK$85,145
baseline
▲ 0.50% · 4.625%
HK$90,326
+HK$5,181/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,290/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,133
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,524
−HK$2,425/mo
Today · 4.125%
HK$93,949
baseline
▲ 0.50% · 4.625%
HK$98,901
+HK$4,952/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,898/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,012
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,217
−HK$3,255/mo
Today · 4.125%
HK$109,472
baseline
▲ 0.50% · 4.625%
HK$116,133
+HK$6,661/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,944/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,600
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,674
−HK$3,118/mo
Today · 4.125%
HK$120,792
baseline
▲ 0.50% · 4.625%
HK$127,159
+HK$6,367/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,584/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,651 · Scale 2, in force from 26 Feb 2026)