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$57,089
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,865
−HK$1,804/mo
Today · 4.125%
HK$60,669
baseline
▲ 0.50% · 4.625%
HK$64,360
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,338/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,511
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,214
−HK$1,728/mo
Today · 4.125%
HK$66,942
baseline
▲ 0.50% · 4.625%
HK$70,471
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,884/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,507
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,638
−HK$2,165/mo
Today · 4.125%
HK$72,803
baseline
▲ 0.50% · 4.625%
HK$77,232
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,606/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,213
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,257
−HK$2,073/mo
Today · 4.125%
HK$80,330
baseline
▲ 0.50% · 4.625%
HK$84,565
+HK$4,235/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,660/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,924
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,410
−HK$2,526/mo
Today · 4.125%
HK$84,936
baseline
▲ 0.50% · 4.625%
HK$90,105
+HK$5,169/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,872/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,064,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,915
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,300
−HK$2,419/mo
Today · 4.125%
HK$93,719
baseline
▲ 0.50% · 4.625%
HK$98,659
+HK$4,940/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,438/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,064,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,760
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,956
−HK$3,248/mo
Today · 4.125%
HK$109,204
baseline
▲ 0.50% · 4.625%
HK$115,849
+HK$6,645/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,408/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,319
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,385
−HK$3,111/mo
Today · 4.125%
HK$120,496
baseline
▲ 0.50% · 4.625%
HK$126,847
+HK$6,351/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,992/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,037 · Scale 2, in force from 26 Feb 2026)