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$56,944
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,715
−HK$1,800/mo
Today · 4.125%
HK$60,515
baseline
▲ 0.50% · 4.625%
HK$64,197
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,030/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,350
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,049
−HK$1,723/mo
Today · 4.125%
HK$66,772
baseline
▲ 0.50% · 4.625%
HK$70,292
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,544/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,333
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,458
−HK$2,160/mo
Today · 4.125%
HK$72,618
baseline
▲ 0.50% · 4.625%
HK$77,036
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,236/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,019
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,058
−HK$2,069/mo
Today · 4.125%
HK$80,127
baseline
▲ 0.50% · 4.625%
HK$84,350
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,254/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,721
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,201
−HK$2,520/mo
Today · 4.125%
HK$84,721
baseline
▲ 0.50% · 4.625%
HK$89,876
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,442/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,689
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,068
−HK$2,413/mo
Today · 4.125%
HK$93,481
baseline
▲ 0.50% · 4.625%
HK$98,408
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,962/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,499
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,687
−HK$3,240/mo
Today · 4.125%
HK$108,927
baseline
▲ 0.50% · 4.625%
HK$115,555
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,854/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,029
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,087
−HK$3,103/mo
Today · 4.125%
HK$120,190
baseline
▲ 0.50% · 4.625%
HK$126,525
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,380/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,336 · Scale 2, in force from 26 Feb 2026)