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$56,954
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,726
−HK$1,800/mo
Today · 4.125%
HK$60,526
baseline
▲ 0.50% · 4.625%
HK$64,208
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,052/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,361
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,060
−HK$1,724/mo
Today · 4.125%
HK$66,784
baseline
▲ 0.50% · 4.625%
HK$70,304
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,568/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,345
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,471
−HK$2,160/mo
Today · 4.125%
HK$72,631
baseline
▲ 0.50% · 4.625%
HK$77,050
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,262/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,033
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,072
−HK$2,069/mo
Today · 4.125%
HK$80,141
baseline
▲ 0.50% · 4.625%
HK$84,365
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,282/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,736
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,216
−HK$2,520/mo
Today · 4.125%
HK$84,736
baseline
▲ 0.50% · 4.625%
HK$89,892
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,472/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,705
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,084
−HK$2,414/mo
Today · 4.125%
HK$93,498
baseline
▲ 0.50% · 4.625%
HK$98,426
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,996/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,517
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,706
−HK$3,240/mo
Today · 4.125%
HK$108,946
baseline
▲ 0.50% · 4.625%
HK$115,575
+HK$6,629/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,892/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,050
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,108
−HK$3,103/mo
Today · 4.125%
HK$120,211
baseline
▲ 0.50% · 4.625%
HK$126,548
+HK$6,337/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,422/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,526 · Scale 2, in force from 26 Feb 2026)