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$56,830
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,598
−HK$1,796/mo
Today · 4.125%
HK$60,394
baseline
▲ 0.50% · 4.625%
HK$64,069
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,788/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,223
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,919
−HK$1,720/mo
Today · 4.125%
HK$66,639
baseline
▲ 0.50% · 4.625%
HK$70,152
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,278/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,196
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,318
−HK$2,155/mo
Today · 4.125%
HK$72,473
baseline
▲ 0.50% · 4.625%
HK$76,883
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,946/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,868
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,903
−HK$2,064/mo
Today · 4.125%
HK$79,967
baseline
▲ 0.50% · 4.625%
HK$84,182
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,934/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,563
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,037
−HK$2,515/mo
Today · 4.125%
HK$84,552
baseline
▲ 0.50% · 4.625%
HK$89,697
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,104/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,513
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,886
−HK$2,409/mo
Today · 4.125%
HK$93,295
baseline
▲ 0.50% · 4.625%
HK$98,212
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,590/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,295
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,477
−HK$3,232/mo
Today · 4.125%
HK$108,709
baseline
▲ 0.50% · 4.625%
HK$115,324
+HK$6,615/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,418/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,802
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,854
−HK$3,096/mo
Today · 4.125%
HK$119,950
baseline
▲ 0.50% · 4.625%
HK$126,273
+HK$6,323/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,900/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,220 · Scale 2, in force from 26 Feb 2026)