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$57,124
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,901
−HK$1,805/mo
Today · 4.125%
HK$60,706
baseline
▲ 0.50% · 4.625%
HK$64,400
+HK$3,694/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,412/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,550
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,254
−HK$1,729/mo
Today · 4.125%
HK$66,983
baseline
▲ 0.50% · 4.625%
HK$70,514
+HK$3,531/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$133,966/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,549
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,681
−HK$2,166/mo
Today · 4.125%
HK$72,847
baseline
▲ 0.50% · 4.625%
HK$77,280
+HK$4,433/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,694/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,260
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,305
−HK$2,075/mo
Today · 4.125%
HK$80,380
baseline
▲ 0.50% · 4.625%
HK$84,617
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,760/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,064,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,974
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,461
−HK$2,528/mo
Today · 4.125%
HK$84,989
baseline
▲ 0.50% · 4.625%
HK$90,160
+HK$5,171/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$169,978/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,970
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,356
−HK$2,421/mo
Today · 4.125%
HK$93,777
baseline
▲ 0.50% · 4.625%
HK$98,720
+HK$4,943/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,554/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,823
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,022
−HK$3,249/mo
Today · 4.125%
HK$109,271
baseline
▲ 0.50% · 4.625%
HK$115,920
+HK$6,649/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$218,542/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,390
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,458
−HK$3,112/mo
Today · 4.125%
HK$120,570
baseline
▲ 0.50% · 4.625%
HK$126,925
+HK$6,355/mo
Deposit HK$2.51M · loan HK$22.55M · min. income ≈ HK$241,140/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,693 · Scale 2, in force from 26 Feb 2026)