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$57,093
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,869
−HK$1,804/mo
Today · 4.125%
HK$60,673
baseline
▲ 0.50% · 4.625%
HK$64,365
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,346/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,515
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,218
−HK$1,729/mo
Today · 4.125%
HK$66,947
baseline
▲ 0.50% · 4.625%
HK$70,475
+HK$3,528/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,894/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,511
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,642
−HK$2,165/mo
Today · 4.125%
HK$72,807
baseline
▲ 0.50% · 4.625%
HK$77,238
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$145,614/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,218
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,262
−HK$2,074/mo
Today · 4.125%
HK$80,336
baseline
▲ 0.50% · 4.625%
HK$84,570
+HK$4,234/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$160,672/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,930
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,416
−HK$2,526/mo
Today · 4.125%
HK$84,942
baseline
▲ 0.50% · 4.625%
HK$90,111
+HK$5,169/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,884/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,921
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,306
−HK$2,419/mo
Today · 4.125%
HK$93,725
baseline
▲ 0.50% · 4.625%
HK$98,666
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,450/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,767
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,963
−HK$3,248/mo
Today · 4.125%
HK$109,211
baseline
▲ 0.50% · 4.625%
HK$115,856
+HK$6,645/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,422/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,327
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,393
−HK$3,111/mo
Today · 4.125%
HK$120,504
baseline
▲ 0.50% · 4.625%
HK$126,856
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$241,008/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,108 · Scale 2, in force from 26 Feb 2026)