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$57,153
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,931
−HK$1,806/mo
Today · 4.125%
HK$60,737
baseline
▲ 0.50% · 4.625%
HK$64,433
+HK$3,696/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,474/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,582
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,287
−HK$1,730/mo
Today · 4.125%
HK$67,017
baseline
▲ 0.50% · 4.625%
HK$70,550
+HK$3,533/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,034/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,584
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,717
−HK$2,167/mo
Today · 4.125%
HK$72,884
baseline
▲ 0.50% · 4.625%
HK$77,319
+HK$4,435/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,768/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,299
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,345
−HK$2,076/mo
Today · 4.125%
HK$80,421
baseline
▲ 0.50% · 4.625%
HK$84,660
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,842/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,014
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,503
−HK$2,529/mo
Today · 4.125%
HK$85,032
baseline
▲ 0.50% · 4.625%
HK$90,206
+HK$5,174/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$170,064/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,015
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,402
−HK$2,422/mo
Today · 4.125%
HK$93,824
baseline
▲ 0.50% · 4.625%
HK$98,770
+HK$4,946/mo
Deposit HK$7.52M · loan HK$17.55M · min. income ≈ HK$187,648/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,875
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,075
−HK$3,252/mo
Today · 4.125%
HK$109,327
baseline
▲ 0.50% · 4.625%
HK$115,979
+HK$6,652/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,654/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,448
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,517
−HK$3,114/mo
Today · 4.125%
HK$120,631
baseline
▲ 0.50% · 4.625%
HK$126,990
+HK$6,359/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,262/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,233 · Scale 2, in force from 26 Feb 2026)