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$56,778
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,544
−HK$1,794/mo
Today · 4.125%
HK$60,338
baseline
▲ 0.50% · 4.625%
HK$64,010
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,676/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,165
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,859
−HK$1,719/mo
Today · 4.125%
HK$66,578
baseline
▲ 0.50% · 4.625%
HK$70,087
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,156/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,134
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,253
−HK$2,153/mo
Today · 4.125%
HK$72,406
baseline
▲ 0.50% · 4.625%
HK$76,812
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,812/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,798
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,831
−HK$2,062/mo
Today · 4.125%
HK$79,893
baseline
▲ 0.50% · 4.625%
HK$84,104
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,786/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,489
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,962
−HK$2,512/mo
Today · 4.125%
HK$84,474
baseline
▲ 0.50% · 4.625%
HK$89,614
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,948/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,431
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,803
−HK$2,406/mo
Today · 4.125%
HK$93,209
baseline
▲ 0.50% · 4.625%
HK$98,122
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,418/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,200
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,379
−HK$3,230/mo
Today · 4.125%
HK$108,609
baseline
▲ 0.50% · 4.625%
HK$115,218
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,218/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,697
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,746
−HK$3,094/mo
Today · 4.125%
HK$119,840
baseline
▲ 0.50% · 4.625%
HK$126,157
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,680/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,243 · Scale 2, in force from 26 Feb 2026)