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$56,947
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,718
−HK$1,800/mo
Today · 4.125%
HK$60,518
baseline
▲ 0.50% · 4.625%
HK$64,200
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,036/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,353
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,052
−HK$1,723/mo
Today · 4.125%
HK$66,775
baseline
▲ 0.50% · 4.625%
HK$70,295
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,550/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,336
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,462
−HK$2,159/mo
Today · 4.125%
HK$72,621
baseline
▲ 0.50% · 4.625%
HK$77,040
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,242/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,023
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,062
−HK$2,068/mo
Today · 4.125%
HK$80,130
baseline
▲ 0.50% · 4.625%
HK$84,354
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,260/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,725
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,205
−HK$2,520/mo
Today · 4.125%
HK$84,725
baseline
▲ 0.50% · 4.625%
HK$89,880
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,450/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,694
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,072
−HK$2,414/mo
Today · 4.125%
HK$93,486
baseline
▲ 0.50% · 4.625%
HK$98,413
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,972/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,504
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,693
−HK$3,239/mo
Today · 4.125%
HK$108,932
baseline
▲ 0.50% · 4.625%
HK$115,560
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,864/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,035
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,093
−HK$3,103/mo
Today · 4.125%
HK$120,196
baseline
▲ 0.50% · 4.625%
HK$126,531
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,392/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,387 · Scale 2, in force from 26 Feb 2026)