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$56,776
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,542
−HK$1,794/mo
Today · 4.125%
HK$60,336
baseline
▲ 0.50% · 4.625%
HK$64,007
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,672/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,162
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,856
−HK$1,719/mo
Today · 4.125%
HK$66,575
baseline
▲ 0.50% · 4.625%
HK$70,084
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,150/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,131
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,250
−HK$2,153/mo
Today · 4.125%
HK$72,403
baseline
▲ 0.50% · 4.625%
HK$76,809
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,806/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,795
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,827
−HK$2,063/mo
Today · 4.125%
HK$79,890
baseline
▲ 0.50% · 4.625%
HK$84,101
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,780/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,486
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,958
−HK$2,512/mo
Today · 4.125%
HK$84,470
baseline
▲ 0.50% · 4.625%
HK$89,610
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,940/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,427
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,799
−HK$2,406/mo
Today · 4.125%
HK$93,205
baseline
▲ 0.50% · 4.625%
HK$98,117
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,410/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,196
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,375
−HK$3,230/mo
Today · 4.125%
HK$108,605
baseline
▲ 0.50% · 4.625%
HK$115,213
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,210/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,692
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,741
−HK$3,093/mo
Today · 4.125%
HK$119,834
baseline
▲ 0.50% · 4.625%
HK$126,151
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,668/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,197 · Scale 2, in force from 26 Feb 2026)