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$56,853
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,621
−HK$1,797/mo
Today · 4.125%
HK$60,418
baseline
▲ 0.50% · 4.625%
HK$64,094
+HK$3,676/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,836/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,248
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,944
−HK$1,721/mo
Today · 4.125%
HK$66,665
baseline
▲ 0.50% · 4.625%
HK$70,179
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,330/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,223
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,345
−HK$2,156/mo
Today · 4.125%
HK$72,501
baseline
▲ 0.50% · 4.625%
HK$76,913
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,002/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,898
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,933
−HK$2,065/mo
Today · 4.125%
HK$79,998
baseline
▲ 0.50% · 4.625%
HK$84,215
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,996/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,594
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,070
−HK$2,515/mo
Today · 4.125%
HK$84,585
baseline
▲ 0.50% · 4.625%
HK$89,732
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,170/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,547
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,922
−HK$2,409/mo
Today · 4.125%
HK$93,331
baseline
▲ 0.50% · 4.625%
HK$98,251
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,662/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,335
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,518
−HK$3,234/mo
Today · 4.125%
HK$108,752
baseline
▲ 0.50% · 4.625%
HK$115,369
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,504/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,846
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,900
−HK$3,097/mo
Today · 4.125%
HK$119,997
baseline
▲ 0.50% · 4.625%
HK$126,322
+HK$6,325/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$239,994/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,635 · Scale 2, in force from 26 Feb 2026)