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$56,804
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,571
−HK$1,795/mo
Today · 4.125%
HK$60,366
baseline
▲ 0.50% · 4.625%
HK$64,039
+HK$3,673/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,732/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,194
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,888
−HK$1,720/mo
Today · 4.125%
HK$66,608
baseline
▲ 0.50% · 4.625%
HK$70,119
+HK$3,511/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,216/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,164
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,285
−HK$2,154/mo
Today · 4.125%
HK$72,439
baseline
▲ 0.50% · 4.625%
HK$76,847
+HK$4,408/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$144,878/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,832
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,866
−HK$2,063/mo
Today · 4.125%
HK$79,929
baseline
▲ 0.50% · 4.625%
HK$84,142
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$159,858/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,525
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,999
−HK$2,513/mo
Today · 4.125%
HK$84,512
baseline
▲ 0.50% · 4.625%
HK$89,654
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,024/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,471
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,844
−HK$2,407/mo
Today · 4.125%
HK$93,251
baseline
▲ 0.50% · 4.625%
HK$98,166
+HK$4,915/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,502/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,247
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,427
−HK$3,231/mo
Today · 4.125%
HK$108,658
baseline
▲ 0.50% · 4.625%
HK$115,270
+HK$6,612/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,316/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,748
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,799
−HK$3,095/mo
Today · 4.125%
HK$119,894
baseline
▲ 0.50% · 4.625%
HK$126,214
+HK$6,320/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,788/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,722 · Scale 2, in force from 26 Feb 2026)