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$56,819
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,587
−HK$1,795/mo
Today · 4.125%
HK$60,382
baseline
▲ 0.50% · 4.625%
HK$64,056
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,764/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,211
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,906
−HK$1,720/mo
Today · 4.125%
HK$66,626
baseline
▲ 0.50% · 4.625%
HK$70,138
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,252/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,183
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,304
−HK$2,155/mo
Today · 4.125%
HK$72,459
baseline
▲ 0.50% · 4.625%
HK$76,868
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,918/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,853
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,887
−HK$2,064/mo
Today · 4.125%
HK$79,951
baseline
▲ 0.50% · 4.625%
HK$84,165
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,902/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,547
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,021
−HK$2,514/mo
Today · 4.125%
HK$84,535
baseline
▲ 0.50% · 4.625%
HK$89,679
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,070/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,495
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,868
−HK$2,408/mo
Today · 4.125%
HK$93,276
baseline
▲ 0.50% · 4.625%
HK$98,193
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,552/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,275
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,456
−HK$3,232/mo
Today · 4.125%
HK$108,688
baseline
▲ 0.50% · 4.625%
HK$115,301
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,376/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,779
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,831
−HK$3,096/mo
Today · 4.125%
HK$119,927
baseline
▲ 0.50% · 4.625%
HK$126,248
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,854/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,011 · Scale 2, in force from 26 Feb 2026)