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$56,784
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,550
−HK$1,795/mo
Today · 4.125%
HK$60,345
baseline
▲ 0.50% · 4.625%
HK$64,017
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,690/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,172
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,866
−HK$1,719/mo
Today · 4.125%
HK$66,585
baseline
▲ 0.50% · 4.625%
HK$70,095
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,170/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,141
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,261
−HK$2,153/mo
Today · 4.125%
HK$72,414
baseline
▲ 0.50% · 4.625%
HK$76,820
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,828/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,806
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,839
−HK$2,063/mo
Today · 4.125%
HK$79,902
baseline
▲ 0.50% · 4.625%
HK$84,113
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,804/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,498
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,971
−HK$2,512/mo
Today · 4.125%
HK$84,483
baseline
▲ 0.50% · 4.625%
HK$89,624
+HK$5,141/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,966/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,440
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,812
−HK$2,407/mo
Today · 4.125%
HK$93,219
baseline
▲ 0.50% · 4.625%
HK$98,132
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,438/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,211
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,391
−HK$3,230/mo
Today · 4.125%
HK$108,621
baseline
▲ 0.50% · 4.625%
HK$115,230
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,242/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,709
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,759
−HK$3,094/mo
Today · 4.125%
HK$119,853
baseline
▲ 0.50% · 4.625%
HK$126,170
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,706/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,358 · Scale 2, in force from 26 Feb 2026)