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$56,916
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,687
−HK$1,799/mo
Today · 4.125%
HK$60,486
baseline
▲ 0.50% · 4.625%
HK$64,166
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,972/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,319
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,017
−HK$1,723/mo
Today · 4.125%
HK$66,740
baseline
▲ 0.50% · 4.625%
HK$70,258
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,480/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,300
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,424
−HK$2,159/mo
Today · 4.125%
HK$72,583
baseline
▲ 0.50% · 4.625%
HK$76,999
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,166/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,983
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,021
−HK$2,067/mo
Today · 4.125%
HK$80,088
baseline
▲ 0.50% · 4.625%
HK$84,309
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,176/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,683
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,162
−HK$2,518/mo
Today · 4.125%
HK$84,680
baseline
▲ 0.50% · 4.625%
HK$89,832
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,360/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,647
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,024
−HK$2,412/mo
Today · 4.125%
HK$93,436
baseline
▲ 0.50% · 4.625%
HK$98,361
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,872/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,450
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,636
−HK$3,238/mo
Today · 4.125%
HK$108,874
baseline
▲ 0.50% · 4.625%
HK$115,499
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,748/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,974
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,031
−HK$3,101/mo
Today · 4.125%
HK$120,132
baseline
▲ 0.50% · 4.625%
HK$126,464
+HK$6,332/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,264/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,824 · Scale 2, in force from 26 Feb 2026)