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$57,226
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,006
−HK$1,808/mo
Today · 4.125%
HK$60,814
baseline
▲ 0.50% · 4.625%
HK$64,515
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,628/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,663
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,371
−HK$1,732/mo
Today · 4.125%
HK$67,103
baseline
▲ 0.50% · 4.625%
HK$70,640
+HK$3,537/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,206/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,671
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,807
−HK$2,170/mo
Today · 4.125%
HK$72,977
baseline
▲ 0.50% · 4.625%
HK$77,418
+HK$4,441/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,954/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,396
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,445
−HK$2,078/mo
Today · 4.125%
HK$80,523
baseline
▲ 0.50% · 4.625%
HK$84,768
+HK$4,245/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,046/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,116
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,608
−HK$2,532/mo
Today · 4.125%
HK$85,140
baseline
▲ 0.50% · 4.625%
HK$90,321
+HK$5,181/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,280/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,128
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,519
−HK$2,425/mo
Today · 4.125%
HK$93,944
baseline
▲ 0.50% · 4.625%
HK$98,896
+HK$4,952/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,888/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,007
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,211
−HK$3,255/mo
Today · 4.125%
HK$109,466
baseline
▲ 0.50% · 4.625%
HK$116,127
+HK$6,661/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,932/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,594
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,667
−HK$3,118/mo
Today · 4.125%
HK$120,785
baseline
▲ 0.50% · 4.625%
HK$127,152
+HK$6,367/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,570/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,591 · Scale 2, in force from 26 Feb 2026)