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$56,949
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,721
−HK$1,799/mo
Today · 4.125%
HK$60,520
baseline
▲ 0.50% · 4.625%
HK$64,203
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,040/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,355
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,055
−HK$1,723/mo
Today · 4.125%
HK$66,778
baseline
▲ 0.50% · 4.625%
HK$70,298
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,556/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,339
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,465
−HK$2,160/mo
Today · 4.125%
HK$72,625
baseline
▲ 0.50% · 4.625%
HK$77,044
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,250/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,027
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,066
−HK$2,068/mo
Today · 4.125%
HK$80,134
baseline
▲ 0.50% · 4.625%
HK$84,358
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,268/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,729
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,209
−HK$2,520/mo
Today · 4.125%
HK$84,729
baseline
▲ 0.50% · 4.625%
HK$89,884
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,458/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,698
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,076
−HK$2,414/mo
Today · 4.125%
HK$93,490
baseline
▲ 0.50% · 4.625%
HK$98,418
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,980/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,509
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,697
−HK$3,240/mo
Today · 4.125%
HK$108,937
baseline
▲ 0.50% · 4.625%
HK$115,565
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,874/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,040
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,098
−HK$3,103/mo
Today · 4.125%
HK$120,201
baseline
▲ 0.50% · 4.625%
HK$126,537
+HK$6,336/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,402/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,435 · Scale 2, in force from 26 Feb 2026)