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$56,774
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,540
−HK$1,794/mo
Today · 4.125%
HK$60,334
baseline
▲ 0.50% · 4.625%
HK$64,005
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,668/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,160
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,854
−HK$1,719/mo
Today · 4.125%
HK$66,573
baseline
▲ 0.50% · 4.625%
HK$70,082
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,146/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,129
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,248
−HK$2,153/mo
Today · 4.125%
HK$72,401
baseline
▲ 0.50% · 4.625%
HK$76,806
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,802/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,793
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,825
−HK$2,062/mo
Today · 4.125%
HK$79,887
baseline
▲ 0.50% · 4.625%
HK$84,098
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,774/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,484
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,956
−HK$2,512/mo
Today · 4.125%
HK$84,468
baseline
▲ 0.50% · 4.625%
HK$89,608
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,936/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,425
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,796
−HK$2,406/mo
Today · 4.125%
HK$93,202
baseline
▲ 0.50% · 4.625%
HK$98,115
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,404/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,193
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,372
−HK$3,230/mo
Today · 4.125%
HK$108,602
baseline
▲ 0.50% · 4.625%
HK$115,210
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,204/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,689
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,738
−HK$3,093/mo
Today · 4.125%
HK$119,831
baseline
▲ 0.50% · 4.625%
HK$126,148
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,662/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,168 · Scale 2, in force from 26 Feb 2026)