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$56,958
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,730
−HK$1,800/mo
Today · 4.125%
HK$60,530
baseline
▲ 0.50% · 4.625%
HK$64,213
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,060/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,366
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,065
−HK$1,724/mo
Today · 4.125%
HK$66,789
baseline
▲ 0.50% · 4.625%
HK$70,310
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,578/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,350
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,476
−HK$2,160/mo
Today · 4.125%
HK$72,636
baseline
▲ 0.50% · 4.625%
HK$77,056
+HK$4,420/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,272/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,039
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,078
−HK$2,069/mo
Today · 4.125%
HK$80,147
baseline
▲ 0.50% · 4.625%
HK$84,372
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,294/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,742
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,222
−HK$2,520/mo
Today · 4.125%
HK$84,742
baseline
▲ 0.50% · 4.625%
HK$89,899
+HK$5,157/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$169,484/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,712
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,091
−HK$2,414/mo
Today · 4.125%
HK$93,505
baseline
▲ 0.50% · 4.625%
HK$98,433
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$187,010/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,525
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,714
−HK$3,240/mo
Today · 4.125%
HK$108,954
baseline
▲ 0.50% · 4.625%
HK$115,584
+HK$6,630/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,908/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,058
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,117
−HK$3,103/mo
Today · 4.125%
HK$120,220
baseline
▲ 0.50% · 4.625%
HK$126,557
+HK$6,337/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,440/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,606 · Scale 2, in force from 26 Feb 2026)