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$56,893
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,663
−HK$1,798/mo
Today · 4.125%
HK$60,461
baseline
▲ 0.50% · 4.625%
HK$64,140
+HK$3,679/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,922/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,293
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,991
−HK$1,722/mo
Today · 4.125%
HK$66,713
baseline
▲ 0.50% · 4.625%
HK$70,229
+HK$3,516/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,426/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,272
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,396
−HK$2,157/mo
Today · 4.125%
HK$72,553
baseline
▲ 0.50% · 4.625%
HK$76,968
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,106/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,952
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,989
−HK$2,066/mo
Today · 4.125%
HK$80,055
baseline
▲ 0.50% · 4.625%
HK$84,275
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,110/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,651
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,128
−HK$2,518/mo
Today · 4.125%
HK$84,646
baseline
▲ 0.50% · 4.625%
HK$89,796
+HK$5,150/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,292/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,611
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,987
−HK$2,411/mo
Today · 4.125%
HK$93,398
baseline
▲ 0.50% · 4.625%
HK$98,321
+HK$4,923/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,796/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,408
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,594
−HK$3,236/mo
Today · 4.125%
HK$108,830
baseline
▲ 0.50% · 4.625%
HK$115,452
+HK$6,622/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,660/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,928
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,983
−HK$3,100/mo
Today · 4.125%
HK$120,083
baseline
▲ 0.50% · 4.625%
HK$126,413
+HK$6,330/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,166/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,394 · Scale 2, in force from 26 Feb 2026)