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$56,802
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,569
−HK$1,795/mo
Today · 4.125%
HK$60,364
baseline
▲ 0.50% · 4.625%
HK$64,037
+HK$3,673/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,728/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,192
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,887
−HK$1,719/mo
Today · 4.125%
HK$66,606
baseline
▲ 0.50% · 4.625%
HK$70,117
+HK$3,511/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,212/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,162
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,283
−HK$2,154/mo
Today · 4.125%
HK$72,437
baseline
▲ 0.50% · 4.625%
HK$76,844
+HK$4,407/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$144,874/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,830
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,864
−HK$2,063/mo
Today · 4.125%
HK$79,927
baseline
▲ 0.50% · 4.625%
HK$84,140
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$159,854/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,523
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,997
−HK$2,513/mo
Today · 4.125%
HK$84,510
baseline
▲ 0.50% · 4.625%
HK$89,652
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,020/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,468
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,841
−HK$2,407/mo
Today · 4.125%
HK$93,248
baseline
▲ 0.50% · 4.625%
HK$98,163
+HK$4,915/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,496/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,244
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,424
−HK$3,231/mo
Today · 4.125%
HK$108,655
baseline
▲ 0.50% · 4.625%
HK$115,267
+HK$6,612/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,310/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,745
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,796
−HK$3,094/mo
Today · 4.125%
HK$119,890
baseline
▲ 0.50% · 4.625%
HK$126,210
+HK$6,320/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,780/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,692 · Scale 2, in force from 26 Feb 2026)