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$56,767
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,533
−HK$1,794/mo
Today · 4.125%
HK$60,327
baseline
▲ 0.50% · 4.625%
HK$63,998
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,654/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,153
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,847
−HK$1,718/mo
Today · 4.125%
HK$66,565
baseline
▲ 0.50% · 4.625%
HK$70,074
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,130/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,121
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,240
−HK$2,153/mo
Today · 4.125%
HK$72,393
baseline
▲ 0.50% · 4.625%
HK$76,798
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,786/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,784
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,816
−HK$2,062/mo
Today · 4.125%
HK$79,878
baseline
▲ 0.50% · 4.625%
HK$84,089
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,756/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,474
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,946
−HK$2,512/mo
Today · 4.125%
HK$84,458
baseline
▲ 0.50% · 4.625%
HK$89,597
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,916/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,414
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,786
−HK$2,405/mo
Today · 4.125%
HK$93,191
baseline
▲ 0.50% · 4.625%
HK$98,103
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,382/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,181
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,360
−HK$3,229/mo
Today · 4.125%
HK$108,589
baseline
▲ 0.50% · 4.625%
HK$115,196
+HK$6,607/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,178/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,676
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,724
−HK$3,093/mo
Today · 4.125%
HK$119,817
baseline
▲ 0.50% · 4.625%
HK$126,133
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,634/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,045 · Scale 2, in force from 26 Feb 2026)