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$56,770
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,536
−HK$1,794/mo
Today · 4.125%
HK$60,330
baseline
▲ 0.50% · 4.625%
HK$64,001
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,660/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,156
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,850
−HK$1,718/mo
Today · 4.125%
HK$66,568
baseline
▲ 0.50% · 4.625%
HK$70,077
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,136/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,124
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,243
−HK$2,153/mo
Today · 4.125%
HK$72,396
baseline
▲ 0.50% · 4.625%
HK$76,801
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,792/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,788
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,820
−HK$2,062/mo
Today · 4.125%
HK$79,882
baseline
▲ 0.50% · 4.625%
HK$84,093
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,764/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,478
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,951
−HK$2,511/mo
Today · 4.125%
HK$84,462
baseline
▲ 0.50% · 4.625%
HK$89,602
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,924/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,419
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,790
−HK$2,406/mo
Today · 4.125%
HK$93,196
baseline
▲ 0.50% · 4.625%
HK$98,108
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,392/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,186
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,365
−HK$3,229/mo
Today · 4.125%
HK$108,594
baseline
▲ 0.50% · 4.625%
HK$115,202
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,188/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,681
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,730
−HK$3,093/mo
Today · 4.125%
HK$119,823
baseline
▲ 0.50% · 4.625%
HK$126,139
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,646/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,098 · Scale 2, in force from 26 Feb 2026)