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$56,956
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,727
−HK$1,800/mo
Today · 4.125%
HK$60,527
baseline
▲ 0.50% · 4.625%
HK$64,210
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,054/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,363
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,062
−HK$1,724/mo
Today · 4.125%
HK$66,786
baseline
▲ 0.50% · 4.625%
HK$70,306
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,572/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,347
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,473
−HK$2,160/mo
Today · 4.125%
HK$72,633
baseline
▲ 0.50% · 4.625%
HK$77,052
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,266/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,035
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,074
−HK$2,069/mo
Today · 4.125%
HK$80,143
baseline
▲ 0.50% · 4.625%
HK$84,367
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,286/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,738
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,218
−HK$2,520/mo
Today · 4.125%
HK$84,738
baseline
▲ 0.50% · 4.625%
HK$89,894
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,476/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,708
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,087
−HK$2,413/mo
Today · 4.125%
HK$93,500
baseline
▲ 0.50% · 4.625%
HK$98,429
+HK$4,929/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$187,000/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,520
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,709
−HK$3,240/mo
Today · 4.125%
HK$108,949
baseline
▲ 0.50% · 4.625%
HK$115,578
+HK$6,629/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,898/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,053
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,111
−HK$3,104/mo
Today · 4.125%
HK$120,215
baseline
▲ 0.50% · 4.625%
HK$126,551
+HK$6,336/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,430/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,554 · Scale 2, in force from 26 Feb 2026)