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$56,771
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,537
−HK$1,794/mo
Today · 4.125%
HK$60,331
baseline
▲ 0.50% · 4.625%
HK$64,002
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,662/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,157
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,851
−HK$1,718/mo
Today · 4.125%
HK$66,569
baseline
▲ 0.50% · 4.625%
HK$70,078
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,138/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,125
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,244
−HK$2,153/mo
Today · 4.125%
HK$72,397
baseline
▲ 0.50% · 4.625%
HK$76,802
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,794/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,788
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,821
−HK$2,062/mo
Today · 4.125%
HK$79,883
baseline
▲ 0.50% · 4.625%
HK$84,094
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,766/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,479
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,951
−HK$2,512/mo
Today · 4.125%
HK$84,463
baseline
▲ 0.50% · 4.625%
HK$89,602
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,926/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,420
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,791
−HK$2,406/mo
Today · 4.125%
HK$93,197
baseline
▲ 0.50% · 4.625%
HK$98,109
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,394/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,187
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,366
−HK$3,229/mo
Today · 4.125%
HK$108,595
baseline
▲ 0.50% · 4.625%
HK$115,203
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,190/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,682
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,731
−HK$3,093/mo
Today · 4.125%
HK$119,824
baseline
▲ 0.50% · 4.625%
HK$126,140
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,648/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,108 · Scale 2, in force from 26 Feb 2026)