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$57,187
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,966
−HK$1,808/mo
Today · 4.125%
HK$60,774
baseline
▲ 0.50% · 4.625%
HK$64,472
+HK$3,698/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,548/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,620
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,327
−HK$1,731/mo
Today · 4.125%
HK$67,058
baseline
▲ 0.50% · 4.625%
HK$70,592
+HK$3,534/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,116/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,625
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,760
−HK$2,168/mo
Today · 4.125%
HK$72,928
baseline
▲ 0.50% · 4.625%
HK$77,366
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,856/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,345
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,392
−HK$2,077/mo
Today · 4.125%
HK$80,469
baseline
▲ 0.50% · 4.625%
HK$84,711
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,938/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,062
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,553
−HK$2,530/mo
Today · 4.125%
HK$85,083
baseline
▲ 0.50% · 4.625%
HK$90,260
+HK$5,177/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$170,166/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,069
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,457
−HK$2,424/mo
Today · 4.125%
HK$93,881
baseline
▲ 0.50% · 4.625%
HK$98,829
+HK$4,948/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$187,762/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,937
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,139
−HK$3,253/mo
Today · 4.125%
HK$109,392
baseline
▲ 0.50% · 4.625%
HK$116,049
+HK$6,657/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,784/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,517
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,588
−HK$3,116/mo
Today · 4.125%
HK$120,704
baseline
▲ 0.50% · 4.625%
HK$127,066
+HK$6,362/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,408/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,874 · Scale 2, in force from 26 Feb 2026)