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$56,932
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,702
−HK$1,800/mo
Today · 4.125%
HK$60,502
baseline
▲ 0.50% · 4.625%
HK$64,183
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,004/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,336
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,034
−HK$1,724/mo
Today · 4.125%
HK$66,758
baseline
▲ 0.50% · 4.625%
HK$70,276
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,516/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,318
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,443
−HK$2,159/mo
Today · 4.125%
HK$72,602
baseline
▲ 0.50% · 4.625%
HK$77,020
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,204/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,003
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,041
−HK$2,068/mo
Today · 4.125%
HK$80,109
baseline
▲ 0.50% · 4.625%
HK$84,332
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,218/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,704
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,183
−HK$2,519/mo
Today · 4.125%
HK$84,702
baseline
▲ 0.50% · 4.625%
HK$89,856
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,404/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,670
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,048
−HK$2,413/mo
Today · 4.125%
HK$93,461
baseline
▲ 0.50% · 4.625%
HK$98,387
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,922/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,477
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,664
−HK$3,239/mo
Today · 4.125%
HK$108,903
baseline
▲ 0.50% · 4.625%
HK$115,529
+HK$6,626/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,806/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,004
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,062
−HK$3,102/mo
Today · 4.125%
HK$120,164
baseline
▲ 0.50% · 4.625%
HK$126,498
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,328/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,105 · Scale 2, in force from 26 Feb 2026)