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$56,782
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,548
−HK$1,795/mo
Today · 4.125%
HK$60,343
baseline
▲ 0.50% · 4.625%
HK$64,015
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,686/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,170
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,864
−HK$1,718/mo
Today · 4.125%
HK$66,582
baseline
▲ 0.50% · 4.625%
HK$70,092
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,164/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,139
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,258
−HK$2,154/mo
Today · 4.125%
HK$72,412
baseline
▲ 0.50% · 4.625%
HK$76,818
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,824/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,804
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,837
−HK$2,062/mo
Today · 4.125%
HK$79,899
baseline
▲ 0.50% · 4.625%
HK$84,111
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,798/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,495
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,968
−HK$2,512/mo
Today · 4.125%
HK$84,480
baseline
▲ 0.50% · 4.625%
HK$89,621
+HK$5,141/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,960/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,437
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,809
−HK$2,406/mo
Today · 4.125%
HK$93,215
baseline
▲ 0.50% · 4.625%
HK$98,129
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,430/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,208
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,387
−HK$3,230/mo
Today · 4.125%
HK$108,617
baseline
▲ 0.50% · 4.625%
HK$115,226
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,234/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,705
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,755
−HK$3,093/mo
Today · 4.125%
HK$119,848
baseline
▲ 0.50% · 4.625%
HK$126,166
+HK$6,318/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,696/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,321 · Scale 2, in force from 26 Feb 2026)