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$57,120
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,896
−HK$1,806/mo
Today · 4.125%
HK$60,702
baseline
▲ 0.50% · 4.625%
HK$64,395
+HK$3,693/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,404/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,545
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,249
−HK$1,729/mo
Today · 4.125%
HK$66,978
baseline
▲ 0.50% · 4.625%
HK$70,509
+HK$3,531/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,956/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,064,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,544
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,676
−HK$2,166/mo
Today · 4.125%
HK$72,842
baseline
▲ 0.50% · 4.625%
HK$77,274
+HK$4,432/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$145,684/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,254
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,299
−HK$2,075/mo
Today · 4.125%
HK$80,374
baseline
▲ 0.50% · 4.625%
HK$84,611
+HK$4,237/mo
Deposit HK$10.02M · loan HK$15.03M · min. income ≈ HK$160,748/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,064,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,968
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,455
−HK$2,527/mo
Today · 4.125%
HK$84,982
baseline
▲ 0.50% · 4.625%
HK$90,153
+HK$5,171/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$169,964/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,963
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,349
−HK$2,421/mo
Today · 4.125%
HK$93,770
baseline
▲ 0.50% · 4.625%
HK$98,712
+HK$4,942/mo
Deposit HK$7.51M · loan HK$17.53M · min. income ≈ HK$187,540/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$1,064,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,816
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,014
−HK$3,249/mo
Today · 4.125%
HK$109,263
baseline
▲ 0.50% · 4.625%
HK$115,911
+HK$6,648/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$218,526/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,381
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,449
−HK$3,112/mo
Today · 4.125%
HK$120,561
baseline
▲ 0.50% · 4.625%
HK$126,916
+HK$6,355/mo
Deposit HK$2.50M · loan HK$22.54M · min. income ≈ HK$241,122/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,064,613 · Scale 2, in force from 26 Feb 2026)