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$57,151
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,929
−HK$1,806/mo
Today · 4.125%
HK$60,735
baseline
▲ 0.50% · 4.625%
HK$64,430
+HK$3,695/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$121,470/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,580
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,285
−HK$1,730/mo
Today · 4.125%
HK$67,015
baseline
▲ 0.50% · 4.625%
HK$70,547
+HK$3,532/mo
Deposit HK$12.53M · loan HK$12.53M · min. income ≈ HK$134,030/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,065,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,581
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,714
−HK$2,168/mo
Today · 4.125%
HK$72,882
baseline
▲ 0.50% · 4.625%
HK$77,316
+HK$4,434/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$145,764/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,296
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,342
−HK$2,076/mo
Today · 4.125%
HK$80,418
baseline
▲ 0.50% · 4.625%
HK$84,657
+HK$4,239/mo
Deposit HK$10.03M · loan HK$15.04M · min. income ≈ HK$160,836/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,065,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,011
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,500
−HK$2,529/mo
Today · 4.125%
HK$85,029
baseline
▲ 0.50% · 4.625%
HK$90,202
+HK$5,173/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$170,058/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,012
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,399
−HK$2,422/mo
Today · 4.125%
HK$93,821
baseline
▲ 0.50% · 4.625%
HK$98,766
+HK$4,945/mo
Deposit HK$7.52M · loan HK$17.54M · min. income ≈ HK$187,642/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,065,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,872
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,071
−HK$3,252/mo
Today · 4.125%
HK$109,323
baseline
▲ 0.50% · 4.625%
HK$115,975
+HK$6,652/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$218,646/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,444
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,513
−HK$3,114/mo
Today · 4.125%
HK$120,627
baseline
▲ 0.50% · 4.625%
HK$126,985
+HK$6,358/mo
Deposit HK$2.51M · loan HK$22.56M · min. income ≈ HK$241,254/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,193 · Scale 2, in force from 26 Feb 2026)