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$57,208
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,987
−HK$1,808/mo
Today · 4.125%
HK$60,795
baseline
▲ 0.50% · 4.625%
HK$64,495
+HK$3,700/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,590/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,643
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,350
−HK$1,732/mo
Today · 4.125%
HK$67,082
baseline
▲ 0.50% · 4.625%
HK$70,618
+HK$3,536/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,164/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,066,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,650
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,785
−HK$2,169/mo
Today · 4.125%
HK$72,954
baseline
▲ 0.50% · 4.625%
HK$77,394
+HK$4,440/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$145,908/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,372
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,420
−HK$2,078/mo
Today · 4.125%
HK$80,498
baseline
▲ 0.50% · 4.625%
HK$84,741
+HK$4,243/mo
Deposit HK$10.04M · loan HK$15.05M · min. income ≈ HK$160,996/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,066,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,091
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,582
−HK$2,532/mo
Today · 4.125%
HK$85,114
baseline
▲ 0.50% · 4.625%
HK$90,293
+HK$5,179/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$170,228/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,101
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,490
−HK$2,424/mo
Today · 4.125%
HK$93,914
baseline
▲ 0.50% · 4.625%
HK$98,865
+HK$4,951/mo
Deposit HK$7.53M · loan HK$17.56M · min. income ≈ HK$187,828/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,066,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,974
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,177
−HK$3,255/mo
Today · 4.125%
HK$109,432
baseline
▲ 0.50% · 4.625%
HK$116,090
+HK$6,658/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$218,864/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,558
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,630
−HK$3,117/mo
Today · 4.125%
HK$120,747
baseline
▲ 0.50% · 4.625%
HK$127,112
+HK$6,365/mo
Deposit HK$2.51M · loan HK$22.58M · min. income ≈ HK$241,494/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,257 · Scale 2, in force from 26 Feb 2026)