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$56,947
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,719
−HK$1,800/mo
Today · 4.125%
HK$60,519
baseline
▲ 0.50% · 4.625%
HK$64,201
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,038/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,353
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,053
−HK$1,723/mo
Today · 4.125%
HK$66,776
baseline
▲ 0.50% · 4.625%
HK$70,296
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,552/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,337
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,463
−HK$2,159/mo
Today · 4.125%
HK$72,622
baseline
▲ 0.50% · 4.625%
HK$77,041
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,244/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,024
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,063
−HK$2,068/mo
Today · 4.125%
HK$80,131
baseline
▲ 0.50% · 4.625%
HK$84,355
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,262/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,726
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,206
−HK$2,520/mo
Today · 4.125%
HK$84,726
baseline
▲ 0.50% · 4.625%
HK$89,881
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,452/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,695
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,074
−HK$2,413/mo
Today · 4.125%
HK$93,487
baseline
▲ 0.50% · 4.625%
HK$98,414
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,974/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,505
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,694
−HK$3,239/mo
Today · 4.125%
HK$108,933
baseline
▲ 0.50% · 4.625%
HK$115,562
+HK$6,629/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,866/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,036
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,095
−HK$3,102/mo
Today · 4.125%
HK$120,197
baseline
▲ 0.50% · 4.625%
HK$126,533
+HK$6,336/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,394/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,401 · Scale 2, in force from 26 Feb 2026)