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$56,766
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,532
−HK$1,794/mo
Today · 4.125%
HK$60,326
baseline
▲ 0.50% · 4.625%
HK$63,996
+HK$3,670/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,652/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,152
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,845
−HK$1,718/mo
Today · 4.125%
HK$66,563
baseline
▲ 0.50% · 4.625%
HK$70,072
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,126/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,119
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,238
−HK$2,153/mo
Today · 4.125%
HK$72,391
baseline
▲ 0.50% · 4.625%
HK$76,796
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,782/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,782
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,814
−HK$2,062/mo
Today · 4.125%
HK$79,876
baseline
▲ 0.50% · 4.625%
HK$84,086
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,752/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,472
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,944
−HK$2,512/mo
Today · 4.125%
HK$84,456
baseline
▲ 0.50% · 4.625%
HK$89,595
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,912/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,412
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,783
−HK$2,406/mo
Today · 4.125%
HK$93,189
baseline
▲ 0.50% · 4.625%
HK$98,101
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,378/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,179
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,357
−HK$3,229/mo
Today · 4.125%
HK$108,586
baseline
▲ 0.50% · 4.625%
HK$115,193
+HK$6,607/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,172/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,673
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,721
−HK$3,093/mo
Today · 4.125%
HK$119,814
baseline
▲ 0.50% · 4.625%
HK$126,130
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,628/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,018 · Scale 2, in force from 26 Feb 2026)