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$57,096
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,872
−HK$1,805/mo
Today · 4.125%
HK$60,677
baseline
▲ 0.50% · 4.625%
HK$64,369
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,354/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,519
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,223
−HK$1,728/mo
Today · 4.125%
HK$66,951
baseline
▲ 0.50% · 4.625%
HK$70,480
+HK$3,529/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,902/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,064,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,516
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,647
−HK$2,165/mo
Today · 4.125%
HK$72,812
baseline
▲ 0.50% · 4.625%
HK$77,243
+HK$4,431/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$145,624/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,223
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,267
−HK$2,074/mo
Today · 4.125%
HK$80,341
baseline
▲ 0.50% · 4.625%
HK$84,576
+HK$4,235/mo
Deposit HK$10.02M · loan HK$15.02M · min. income ≈ HK$160,682/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,935
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,421
−HK$2,527/mo
Today · 4.125%
HK$84,948
baseline
▲ 0.50% · 4.625%
HK$90,116
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,896/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,927
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,312
−HK$2,419/mo
Today · 4.125%
HK$93,731
baseline
▲ 0.50% · 4.625%
HK$98,672
+HK$4,941/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,462/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,774
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,970
−HK$3,248/mo
Today · 4.125%
HK$109,218
baseline
▲ 0.50% · 4.625%
HK$115,864
+HK$6,646/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,436/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,335
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,401
−HK$3,111/mo
Today · 4.125%
HK$120,512
baseline
▲ 0.50% · 4.625%
HK$126,864
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,024/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,178 · Scale 2, in force from 26 Feb 2026)