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$57,218
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,998
−HK$1,808/mo
Today · 4.125%
HK$60,806
baseline
▲ 0.50% · 4.625%
HK$64,506
+HK$3,700/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,612/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,654
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,361
−HK$1,732/mo
Today · 4.125%
HK$67,093
baseline
▲ 0.50% · 4.625%
HK$70,630
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,186/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,661
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,797
−HK$2,170/mo
Today · 4.125%
HK$72,967
baseline
▲ 0.50% · 4.625%
HK$77,407
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,934/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,385
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,434
−HK$2,078/mo
Today · 4.125%
HK$80,512
baseline
▲ 0.50% · 4.625%
HK$84,756
+HK$4,244/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,024/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,105
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,597
−HK$2,531/mo
Today · 4.125%
HK$85,128
baseline
▲ 0.50% · 4.625%
HK$90,308
+HK$5,180/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,256/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,116
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,506
−HK$2,425/mo
Today · 4.125%
HK$93,931
baseline
▲ 0.50% · 4.625%
HK$98,882
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,862/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,992
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,196
−HK$3,255/mo
Today · 4.125%
HK$109,451
baseline
▲ 0.50% · 4.625%
HK$116,110
+HK$6,659/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,902/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,578
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,651
−HK$3,117/mo
Today · 4.125%
HK$120,768
baseline
▲ 0.50% · 4.625%
HK$127,134
+HK$6,366/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,536/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,441 · Scale 2, in force from 26 Feb 2026)