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$57,216
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,996
−HK$1,808/mo
Today · 4.125%
HK$60,804
baseline
▲ 0.50% · 4.625%
HK$64,504
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,608/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,652
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,359
−HK$1,732/mo
Today · 4.125%
HK$67,091
baseline
▲ 0.50% · 4.625%
HK$70,628
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,182/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,659
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,795
−HK$2,170/mo
Today · 4.125%
HK$72,965
baseline
▲ 0.50% · 4.625%
HK$77,404
+HK$4,439/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,930/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,383
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,431
−HK$2,078/mo
Today · 4.125%
HK$80,509
baseline
▲ 0.50% · 4.625%
HK$84,753
+HK$4,244/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,018/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,102
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,594
−HK$2,531/mo
Today · 4.125%
HK$85,125
baseline
▲ 0.50% · 4.625%
HK$90,305
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,250/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,113
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,503
−HK$2,425/mo
Today · 4.125%
HK$93,928
baseline
▲ 0.50% · 4.625%
HK$98,879
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,856/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,989
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,192
−HK$3,255/mo
Today · 4.125%
HK$109,447
baseline
▲ 0.50% · 4.625%
HK$116,107
+HK$6,660/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,894/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,574
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,647
−HK$3,117/mo
Today · 4.125%
HK$120,764
baseline
▲ 0.50% · 4.625%
HK$127,130
+HK$6,366/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,528/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,405 · Scale 2, in force from 26 Feb 2026)