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$57,156
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,934
−HK$1,806/mo
Today · 4.125%
HK$60,740
baseline
▲ 0.50% · 4.625%
HK$64,436
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,480/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,585
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,291
−HK$1,730/mo
Today · 4.125%
HK$67,021
baseline
▲ 0.50% · 4.625%
HK$70,554
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,042/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,587
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,721
−HK$2,167/mo
Today · 4.125%
HK$72,888
baseline
▲ 0.50% · 4.625%
HK$77,323
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,776/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,303
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,349
−HK$2,076/mo
Today · 4.125%
HK$80,425
baseline
▲ 0.50% · 4.625%
HK$84,664
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,850/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,018
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,507
−HK$2,529/mo
Today · 4.125%
HK$85,036
baseline
▲ 0.50% · 4.625%
HK$90,211
+HK$5,175/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,072/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,020
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,407
−HK$2,422/mo
Today · 4.125%
HK$93,829
baseline
▲ 0.50% · 4.625%
HK$98,775
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,658/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,881
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,081
−HK$3,251/mo
Today · 4.125%
HK$109,332
baseline
▲ 0.50% · 4.625%
HK$115,985
+HK$6,653/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,664/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,454
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,523
−HK$3,114/mo
Today · 4.125%
HK$120,637
baseline
▲ 0.50% · 4.625%
HK$126,996
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,274/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,289 · Scale 2, in force from 26 Feb 2026)