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$56,913
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,684
−HK$1,798/mo
Today · 4.125%
HK$60,482
baseline
▲ 0.50% · 4.625%
HK$64,162
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,964/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,315
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,014
−HK$1,722/mo
Today · 4.125%
HK$66,736
baseline
▲ 0.50% · 4.625%
HK$70,254
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,472/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,296
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,420
−HK$2,159/mo
Today · 4.125%
HK$72,579
baseline
▲ 0.50% · 4.625%
HK$76,995
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,158/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,979
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,016
−HK$2,067/mo
Today · 4.125%
HK$80,083
baseline
▲ 0.50% · 4.625%
HK$84,305
+HK$4,222/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,166/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,679
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,157
−HK$2,518/mo
Today · 4.125%
HK$84,675
baseline
▲ 0.50% · 4.625%
HK$89,827
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,350/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,642
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,019
−HK$2,412/mo
Today · 4.125%
HK$93,431
baseline
▲ 0.50% · 4.625%
HK$98,355
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,862/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,444
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,630
−HK$3,238/mo
Today · 4.125%
HK$108,868
baseline
▲ 0.50% · 4.625%
HK$115,492
+HK$6,624/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,736/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,968
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,024
−HK$3,101/mo
Today · 4.125%
HK$120,125
baseline
▲ 0.50% · 4.625%
HK$126,457
+HK$6,332/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,250/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,764 · Scale 2, in force from 26 Feb 2026)