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$56,815
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,582
−HK$1,796/mo
Today · 4.125%
HK$60,378
baseline
▲ 0.50% · 4.625%
HK$64,052
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,756/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,206
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,901
−HK$1,720/mo
Today · 4.125%
HK$66,621
baseline
▲ 0.50% · 4.625%
HK$70,132
+HK$3,511/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,242/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,178
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,299
−HK$2,154/mo
Today · 4.125%
HK$72,453
baseline
▲ 0.50% · 4.625%
HK$76,862
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,906/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,847
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,881
−HK$2,064/mo
Today · 4.125%
HK$79,945
baseline
▲ 0.50% · 4.625%
HK$84,159
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,890/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,541
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,015
−HK$2,514/mo
Today · 4.125%
HK$84,529
baseline
▲ 0.50% · 4.625%
HK$89,672
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,058/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,488
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,862
−HK$2,407/mo
Today · 4.125%
HK$93,269
baseline
▲ 0.50% · 4.625%
HK$98,185
+HK$4,916/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,538/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,267
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,448
−HK$3,232/mo
Today · 4.125%
HK$108,680
baseline
▲ 0.50% · 4.625%
HK$115,293
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,360/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,771
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,822
−HK$3,095/mo
Today · 4.125%
HK$119,917
baseline
▲ 0.50% · 4.625%
HK$126,238
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,834/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,931 · Scale 2, in force from 26 Feb 2026)