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$57,228
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,008
−HK$1,809/mo
Today · 4.125%
HK$60,817
baseline
▲ 0.50% · 4.625%
HK$64,517
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,634/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,665
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,373
−HK$1,732/mo
Today · 4.125%
HK$67,105
baseline
▲ 0.50% · 4.625%
HK$70,642
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,210/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,673
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,810
−HK$2,170/mo
Today · 4.125%
HK$72,980
baseline
▲ 0.50% · 4.625%
HK$77,420
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,960/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,398
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,447
−HK$2,079/mo
Today · 4.125%
HK$80,526
baseline
▲ 0.50% · 4.625%
HK$84,771
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,052/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,119
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,611
−HK$2,532/mo
Today · 4.125%
HK$85,143
baseline
▲ 0.50% · 4.625%
HK$90,324
+HK$5,181/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,286/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,132
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,522
−HK$2,425/mo
Today · 4.125%
HK$93,947
baseline
▲ 0.50% · 4.625%
HK$98,899
+HK$4,952/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,894/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,010
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,214
−HK$3,256/mo
Today · 4.125%
HK$109,470
baseline
▲ 0.50% · 4.625%
HK$116,131
+HK$6,661/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,940/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,598
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,671
−HK$3,118/mo
Today · 4.125%
HK$120,789
baseline
▲ 0.50% · 4.625%
HK$127,156
+HK$6,367/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,578/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,627 · Scale 2, in force from 26 Feb 2026)