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$56,779
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,545
−HK$1,794/mo
Today · 4.125%
HK$60,339
baseline
▲ 0.50% · 4.625%
HK$64,011
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,678/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,166
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,860
−HK$1,718/mo
Today · 4.125%
HK$66,578
baseline
▲ 0.50% · 4.625%
HK$70,088
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,156/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,134
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,254
−HK$2,153/mo
Today · 4.125%
HK$72,407
baseline
▲ 0.50% · 4.625%
HK$76,813
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,814/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,799
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,832
−HK$2,062/mo
Today · 4.125%
HK$79,894
baseline
▲ 0.50% · 4.625%
HK$84,105
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,788/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,490
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,963
−HK$2,512/mo
Today · 4.125%
HK$84,475
baseline
▲ 0.50% · 4.625%
HK$89,615
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,950/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,432
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,804
−HK$2,406/mo
Today · 4.125%
HK$93,210
baseline
▲ 0.50% · 4.625%
HK$98,123
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,420/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,201
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,380
−HK$3,230/mo
Today · 4.125%
HK$108,610
baseline
▲ 0.50% · 4.625%
HK$115,219
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,220/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,698
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,747
−HK$3,094/mo
Today · 4.125%
HK$119,841
baseline
▲ 0.50% · 4.625%
HK$126,158
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,682/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,254 · Scale 2, in force from 26 Feb 2026)