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$56,907
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,677
−HK$1,798/mo
Today · 4.125%
HK$60,475
baseline
▲ 0.50% · 4.625%
HK$64,155
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,950/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,308
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,006
−HK$1,722/mo
Today · 4.125%
HK$66,728
baseline
▲ 0.50% · 4.625%
HK$70,246
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,456/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,288
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,412
−HK$2,158/mo
Today · 4.125%
HK$72,570
baseline
▲ 0.50% · 4.625%
HK$76,986
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,140/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,970
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,007
−HK$2,067/mo
Today · 4.125%
HK$80,074
baseline
▲ 0.50% · 4.625%
HK$84,295
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,148/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,669
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,148
−HK$2,517/mo
Today · 4.125%
HK$84,665
baseline
▲ 0.50% · 4.625%
HK$89,817
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,330/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,631
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,008
−HK$2,412/mo
Today · 4.125%
HK$93,420
baseline
▲ 0.50% · 4.625%
HK$98,344
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,840/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,432
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,618
−HK$3,237/mo
Today · 4.125%
HK$108,855
baseline
▲ 0.50% · 4.625%
HK$115,479
+HK$6,624/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,710/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,955
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$117,011
−HK$3,100/mo
Today · 4.125%
HK$120,111
baseline
▲ 0.50% · 4.625%
HK$126,443
+HK$6,332/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,222/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,642 · Scale 2, in force from 26 Feb 2026)