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$56,856
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,625
−HK$1,796/mo
Today · 4.125%
HK$60,421
baseline
▲ 0.50% · 4.625%
HK$64,098
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,842/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,252
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,948
−HK$1,721/mo
Today · 4.125%
HK$66,669
baseline
▲ 0.50% · 4.625%
HK$70,183
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,338/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,227
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,350
−HK$2,156/mo
Today · 4.125%
HK$72,506
baseline
▲ 0.50% · 4.625%
HK$76,918
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,012/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,902
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,938
−HK$2,065/mo
Today · 4.125%
HK$80,003
baseline
▲ 0.50% · 4.625%
HK$84,220
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,006/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,598
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,074
−HK$2,516/mo
Today · 4.125%
HK$84,590
baseline
▲ 0.50% · 4.625%
HK$89,737
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,180/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,552
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,927
−HK$2,410/mo
Today · 4.125%
HK$93,337
baseline
▲ 0.50% · 4.625%
HK$98,257
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,674/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,341
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,524
−HK$3,235/mo
Today · 4.125%
HK$108,759
baseline
▲ 0.50% · 4.625%
HK$115,376
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,518/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,853
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,907
−HK$3,097/mo
Today · 4.125%
HK$120,004
baseline
▲ 0.50% · 4.625%
HK$126,330
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,008/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,698 · Scale 2, in force from 26 Feb 2026)