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$56,569
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,329
−HK$1,787/mo
Today · 4.125%
HK$60,116
baseline
▲ 0.50% · 4.625%
HK$63,774
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,232/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,932
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,620
−HK$1,712/mo
Today · 4.125%
HK$66,332
baseline
▲ 0.50% · 4.625%
HK$69,829
+HK$3,497/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,664/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,883
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,994
−HK$2,146/mo
Today · 4.125%
HK$72,140
baseline
▲ 0.50% · 4.625%
HK$76,529
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,280/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,519
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,544
−HK$2,055/mo
Today · 4.125%
HK$79,599
baseline
▲ 0.50% · 4.625%
HK$83,795
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,198/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,197
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,660
−HK$2,503/mo
Today · 4.125%
HK$84,163
baseline
▲ 0.50% · 4.625%
HK$89,284
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,326/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,105
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,468
−HK$2,397/mo
Today · 4.125%
HK$92,865
baseline
▲ 0.50% · 4.625%
HK$97,760
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,730/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,824
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,991
−HK$3,218/mo
Today · 4.125%
HK$108,209
baseline
▲ 0.50% · 4.625%
HK$114,794
+HK$6,585/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,418/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,278
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,316
−HK$3,082/mo
Today · 4.125%
HK$119,398
baseline
▲ 0.50% · 4.625%
HK$125,692
+HK$6,294/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,796/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,347 · Scale 2, in force from 26 Feb 2026)