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$57,102
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,878
−HK$1,805/mo
Today · 4.125%
HK$60,683
baseline
▲ 0.50% · 4.625%
HK$64,375
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,366/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,525
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,229
−HK$1,728/mo
Today · 4.125%
HK$66,957
baseline
▲ 0.50% · 4.625%
HK$70,487
+HK$3,530/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,914/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,522
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,654
−HK$2,165/mo
Today · 4.125%
HK$72,819
baseline
▲ 0.50% · 4.625%
HK$77,250
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,638/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,230
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,275
−HK$2,074/mo
Today · 4.125%
HK$80,349
baseline
▲ 0.50% · 4.625%
HK$84,584
+HK$4,235/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,698/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,943
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,429
−HK$2,527/mo
Today · 4.125%
HK$84,956
baseline
▲ 0.50% · 4.625%
HK$90,125
+HK$5,169/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,912/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,935
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,320
−HK$2,420/mo
Today · 4.125%
HK$93,740
baseline
▲ 0.50% · 4.625%
HK$98,681
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,480/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,783
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,980
−HK$3,249/mo
Today · 4.125%
HK$109,229
baseline
▲ 0.50% · 4.625%
HK$115,875
+HK$6,646/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,458/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,345
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,412
−HK$3,111/mo
Today · 4.125%
HK$120,523
baseline
▲ 0.50% · 4.625%
HK$126,876
+HK$6,353/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,046/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,279 · Scale 2, in force from 26 Feb 2026)