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$56,922
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,692
−HK$1,799/mo
Today · 4.125%
HK$60,491
baseline
▲ 0.50% · 4.625%
HK$64,172
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,982/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,325
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,023
−HK$1,723/mo
Today · 4.125%
HK$66,746
baseline
▲ 0.50% · 4.625%
HK$70,264
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,492/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,306
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,431
−HK$2,158/mo
Today · 4.125%
HK$72,589
baseline
▲ 0.50% · 4.625%
HK$77,006
+HK$4,417/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,178/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,990
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,028
−HK$2,067/mo
Today · 4.125%
HK$80,095
baseline
▲ 0.50% · 4.625%
HK$84,317
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,190/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,690
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,169
−HK$2,519/mo
Today · 4.125%
HK$84,688
baseline
▲ 0.50% · 4.625%
HK$89,841
+HK$5,153/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,376/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,655
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,032
−HK$2,412/mo
Today · 4.125%
HK$93,444
baseline
▲ 0.50% · 4.625%
HK$98,370
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,888/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,459
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,646
−HK$3,238/mo
Today · 4.125%
HK$108,884
baseline
▲ 0.50% · 4.625%
HK$115,509
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,768/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,985
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,042
−HK$3,101/mo
Today · 4.125%
HK$120,143
baseline
▲ 0.50% · 4.625%
HK$126,476
+HK$6,333/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,286/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,920 · Scale 2, in force from 26 Feb 2026)