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$56,877
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,646
−HK$1,797/mo
Today · 4.125%
HK$60,443
baseline
▲ 0.50% · 4.625%
HK$64,121
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,886/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,275
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,972
−HK$1,721/mo
Today · 4.125%
HK$66,693
baseline
▲ 0.50% · 4.625%
HK$70,209
+HK$3,516/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,386/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,252
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,375
−HK$2,157/mo
Today · 4.125%
HK$72,532
baseline
▲ 0.50% · 4.625%
HK$76,946
+HK$4,414/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,064/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,930
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,966
−HK$2,066/mo
Today · 4.125%
HK$80,032
baseline
▲ 0.50% · 4.625%
HK$84,251
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,064/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,627
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,104
−HK$2,517/mo
Today · 4.125%
HK$84,621
baseline
▲ 0.50% · 4.625%
HK$89,770
+HK$5,149/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,242/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,585
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,961
−HK$2,410/mo
Today · 4.125%
HK$93,371
baseline
▲ 0.50% · 4.625%
HK$98,292
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,742/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,378
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,563
−HK$3,235/mo
Today · 4.125%
HK$108,798
baseline
▲ 0.50% · 4.625%
HK$115,418
+HK$6,620/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,596/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,895
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,949
−HK$3,099/mo
Today · 4.125%
HK$120,048
baseline
▲ 0.50% · 4.625%
HK$126,376
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,096/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,084 · Scale 2, in force from 26 Feb 2026)