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$56,921
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,691
−HK$1,799/mo
Today · 4.125%
HK$60,490
baseline
▲ 0.50% · 4.625%
HK$64,171
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,980/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,324
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,022
−HK$1,723/mo
Today · 4.125%
HK$66,745
baseline
▲ 0.50% · 4.625%
HK$70,263
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,490/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,305
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,430
−HK$2,158/mo
Today · 4.125%
HK$72,588
baseline
▲ 0.50% · 4.625%
HK$77,005
+HK$4,417/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,176/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,989
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,027
−HK$2,067/mo
Today · 4.125%
HK$80,094
baseline
▲ 0.50% · 4.625%
HK$84,316
+HK$4,222/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,188/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,689
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,168
−HK$2,518/mo
Today · 4.125%
HK$84,686
baseline
▲ 0.50% · 4.625%
HK$89,839
+HK$5,153/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,372/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,653
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,031
−HK$2,412/mo
Today · 4.125%
HK$93,443
baseline
▲ 0.50% · 4.625%
HK$98,368
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,886/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,457
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,644
−HK$3,238/mo
Today · 4.125%
HK$108,882
baseline
▲ 0.50% · 4.625%
HK$115,508
+HK$6,626/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,764/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,983
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,040
−HK$3,101/mo
Today · 4.125%
HK$120,141
baseline
▲ 0.50% · 4.625%
HK$126,474
+HK$6,333/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,282/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,904 · Scale 2, in force from 26 Feb 2026)