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$56,833
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,601
−HK$1,796/mo
Today · 4.125%
HK$60,397
baseline
▲ 0.50% · 4.625%
HK$64,072
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,794/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,226
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,922
−HK$1,720/mo
Today · 4.125%
HK$66,642
baseline
▲ 0.50% · 4.625%
HK$70,155
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,284/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,200
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,321
−HK$2,156/mo
Today · 4.125%
HK$72,477
baseline
▲ 0.50% · 4.625%
HK$76,887
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,954/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,872
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,907
−HK$2,064/mo
Today · 4.125%
HK$79,971
baseline
▲ 0.50% · 4.625%
HK$84,186
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,942/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,567
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,041
−HK$2,515/mo
Today · 4.125%
HK$84,556
baseline
▲ 0.50% · 4.625%
HK$89,701
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,112/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,517
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,891
−HK$2,408/mo
Today · 4.125%
HK$93,299
baseline
▲ 0.50% · 4.625%
HK$98,217
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,598/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,300
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,482
−HK$3,233/mo
Today · 4.125%
HK$108,715
baseline
▲ 0.50% · 4.625%
HK$115,330
+HK$6,615/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,430/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,808
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,860
−HK$3,096/mo
Today · 4.125%
HK$119,956
baseline
▲ 0.50% · 4.625%
HK$126,279
+HK$6,323/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,912/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,273 · Scale 2, in force from 26 Feb 2026)