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$57,185
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,963
−HK$1,808/mo
Today · 4.125%
HK$60,771
baseline
▲ 0.50% · 4.625%
HK$64,468
+HK$3,697/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,542/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,617
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,324
−HK$1,730/mo
Today · 4.125%
HK$67,054
baseline
▲ 0.50% · 4.625%
HK$70,589
+HK$3,535/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,108/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,622
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,756
−HK$2,169/mo
Today · 4.125%
HK$72,925
baseline
▲ 0.50% · 4.625%
HK$77,362
+HK$4,437/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,850/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,341
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,388
−HK$2,077/mo
Today · 4.125%
HK$80,465
baseline
▲ 0.50% · 4.625%
HK$84,707
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,930/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,059
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,549
−HK$2,530/mo
Today · 4.125%
HK$85,079
baseline
▲ 0.50% · 4.625%
HK$90,256
+HK$5,177/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,158/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,064
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,453
−HK$2,423/mo
Today · 4.125%
HK$93,876
baseline
▲ 0.50% · 4.625%
HK$98,825
+HK$4,949/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,752/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,932
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,134
−HK$3,253/mo
Today · 4.125%
HK$109,387
baseline
▲ 0.50% · 4.625%
HK$116,043
+HK$6,656/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,774/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,511
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,582
−HK$3,116/mo
Today · 4.125%
HK$120,698
baseline
▲ 0.50% · 4.625%
HK$127,060
+HK$6,362/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,396/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,823 · Scale 2, in force from 26 Feb 2026)