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$56,943
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,714
−HK$1,800/mo
Today · 4.125%
HK$60,514
baseline
▲ 0.50% · 4.625%
HK$64,196
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,028/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,349
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,048
−HK$1,723/mo
Today · 4.125%
HK$66,771
baseline
▲ 0.50% · 4.625%
HK$70,291
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,542/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,332
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,457
−HK$2,160/mo
Today · 4.125%
HK$72,617
baseline
▲ 0.50% · 4.625%
HK$77,035
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,234/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,018
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,057
−HK$2,069/mo
Today · 4.125%
HK$80,126
baseline
▲ 0.50% · 4.625%
HK$84,349
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,252/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,720
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,200
−HK$2,520/mo
Today · 4.125%
HK$84,720
baseline
▲ 0.50% · 4.625%
HK$89,875
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,440/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,688
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,067
−HK$2,413/mo
Today · 4.125%
HK$93,480
baseline
▲ 0.50% · 4.625%
HK$98,407
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,960/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,498
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,686
−HK$3,239/mo
Today · 4.125%
HK$108,925
baseline
▲ 0.50% · 4.625%
HK$115,553
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,850/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,028
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,086
−HK$3,102/mo
Today · 4.125%
HK$120,188
baseline
▲ 0.50% · 4.625%
HK$126,524
+HK$6,336/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,376/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,322 · Scale 2, in force from 26 Feb 2026)