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$56,832
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,599
−HK$1,796/mo
Today · 4.125%
HK$60,395
baseline
▲ 0.50% · 4.625%
HK$64,070
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,790/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,224
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,920
−HK$1,720/mo
Today · 4.125%
HK$66,640
baseline
▲ 0.50% · 4.625%
HK$70,153
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,280/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,198
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,319
−HK$2,155/mo
Today · 4.125%
HK$72,474
baseline
▲ 0.50% · 4.625%
HK$76,884
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,948/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,869
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,904
−HK$2,064/mo
Today · 4.125%
HK$79,968
baseline
▲ 0.50% · 4.625%
HK$84,184
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,936/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,564
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,039
−HK$2,514/mo
Today · 4.125%
HK$84,553
baseline
▲ 0.50% · 4.625%
HK$89,698
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,106/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,514
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,888
−HK$2,408/mo
Today · 4.125%
HK$93,296
baseline
▲ 0.50% · 4.625%
HK$98,214
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,592/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,297
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,479
−HK$3,233/mo
Today · 4.125%
HK$108,712
baseline
▲ 0.50% · 4.625%
HK$115,326
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,424/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,804
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,856
−HK$3,097/mo
Today · 4.125%
HK$119,953
baseline
▲ 0.50% · 4.625%
HK$126,275
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,906/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,240 · Scale 2, in force from 26 Feb 2026)