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$56,933
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,704
−HK$1,799/mo
Today · 4.125%
HK$60,503
baseline
▲ 0.50% · 4.625%
HK$64,184
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,006/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,337
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,036
−HK$1,723/mo
Today · 4.125%
HK$66,759
baseline
▲ 0.50% · 4.625%
HK$70,278
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,518/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,319
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,444
−HK$2,159/mo
Today · 4.125%
HK$72,603
baseline
▲ 0.50% · 4.625%
HK$77,021
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,206/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,004
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,043
−HK$2,068/mo
Today · 4.125%
HK$80,111
baseline
▲ 0.50% · 4.625%
HK$84,333
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,222/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,706
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,185
−HK$2,519/mo
Today · 4.125%
HK$84,704
baseline
▲ 0.50% · 4.625%
HK$89,858
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,408/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,672
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,050
−HK$2,413/mo
Today · 4.125%
HK$93,463
baseline
▲ 0.50% · 4.625%
HK$98,389
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,926/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,479
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,667
−HK$3,238/mo
Today · 4.125%
HK$108,905
baseline
▲ 0.50% · 4.625%
HK$115,532
+HK$6,627/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,810/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,007
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,064
−HK$3,102/mo
Today · 4.125%
HK$120,166
baseline
▲ 0.50% · 4.625%
HK$126,500
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,332/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,127 · Scale 2, in force from 26 Feb 2026)