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$57,242
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,023
−HK$1,809/mo
Today · 4.125%
HK$60,832
baseline
▲ 0.50% · 4.625%
HK$64,533
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,664/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,681
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,389
−HK$1,733/mo
Today · 4.125%
HK$67,122
baseline
▲ 0.50% · 4.625%
HK$70,660
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,244/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,691
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,827
−HK$2,171/mo
Today · 4.125%
HK$72,998
baseline
▲ 0.50% · 4.625%
HK$77,440
+HK$4,442/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$145,996/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,418
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,467
−HK$2,079/mo
Today · 4.125%
HK$80,546
baseline
▲ 0.50% · 4.625%
HK$84,792
+HK$4,246/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,092/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,139
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,632
−HK$2,532/mo
Today · 4.125%
HK$85,164
baseline
▲ 0.50% · 4.625%
HK$90,347
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,328/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,154
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,545
−HK$2,426/mo
Today · 4.125%
HK$93,971
baseline
▲ 0.50% · 4.625%
HK$98,924
+HK$4,953/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,942/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,036
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,241
−HK$3,256/mo
Today · 4.125%
HK$109,497
baseline
▲ 0.50% · 4.625%
HK$116,160
+HK$6,663/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$218,994/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,626
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,701
−HK$3,118/mo
Today · 4.125%
HK$120,819
baseline
▲ 0.50% · 4.625%
HK$127,188
+HK$6,369/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,638/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,895 · Scale 2, in force from 26 Feb 2026)