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$57,188
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,967
−HK$1,808/mo
Today · 4.125%
HK$60,775
baseline
▲ 0.50% · 4.625%
HK$64,473
+HK$3,698/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,550/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,621
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,328
−HK$1,731/mo
Today · 4.125%
HK$67,059
baseline
▲ 0.50% · 4.625%
HK$70,593
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,118/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,626
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,761
−HK$2,168/mo
Today · 4.125%
HK$72,929
baseline
▲ 0.50% · 4.625%
HK$77,367
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,858/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,346
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,393
−HK$2,077/mo
Today · 4.125%
HK$80,470
baseline
▲ 0.50% · 4.625%
HK$84,712
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,940/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,064
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,554
−HK$2,530/mo
Today · 4.125%
HK$85,084
baseline
▲ 0.50% · 4.625%
HK$90,262
+HK$5,178/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$170,168/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,070
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,459
−HK$2,423/mo
Today · 4.125%
HK$93,882
baseline
▲ 0.50% · 4.625%
HK$98,831
+HK$4,949/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$187,764/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,939
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,141
−HK$3,253/mo
Today · 4.125%
HK$109,394
baseline
▲ 0.50% · 4.625%
HK$116,051
+HK$6,657/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,788/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,519
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,590
−HK$3,116/mo
Today · 4.125%
HK$120,706
baseline
▲ 0.50% · 4.625%
HK$127,068
+HK$6,362/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,412/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,891 · Scale 2, in force from 26 Feb 2026)