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$56,858
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,626
−HK$1,797/mo
Today · 4.125%
HK$60,423
baseline
▲ 0.50% · 4.625%
HK$64,100
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,846/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,254
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,950
−HK$1,721/mo
Today · 4.125%
HK$66,671
baseline
▲ 0.50% · 4.625%
HK$70,185
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,342/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,229
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,351
−HK$2,157/mo
Today · 4.125%
HK$72,508
baseline
▲ 0.50% · 4.625%
HK$76,920
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,016/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,904
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,940
−HK$2,065/mo
Today · 4.125%
HK$80,005
baseline
▲ 0.50% · 4.625%
HK$84,222
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,010/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,601
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,077
−HK$2,515/mo
Today · 4.125%
HK$84,592
baseline
▲ 0.50% · 4.625%
HK$89,740
+HK$5,148/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,184/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,555
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,930
−HK$2,409/mo
Today · 4.125%
HK$93,339
baseline
▲ 0.50% · 4.625%
HK$98,259
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,678/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,344
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,527
−HK$3,235/mo
Today · 4.125%
HK$108,762
baseline
▲ 0.50% · 4.625%
HK$115,380
+HK$6,618/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,524/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,856
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,910
−HK$3,098/mo
Today · 4.125%
HK$120,008
baseline
▲ 0.50% · 4.625%
HK$126,333
+HK$6,325/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,016/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,728 · Scale 2, in force from 26 Feb 2026)