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$56,796
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,563
−HK$1,795/mo
Today · 4.125%
HK$60,358
baseline
▲ 0.50% · 4.625%
HK$64,030
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,716/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,185
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,880
−HK$1,719/mo
Today · 4.125%
HK$66,599
baseline
▲ 0.50% · 4.625%
HK$70,109
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,198/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,155
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,275
−HK$2,154/mo
Today · 4.125%
HK$72,429
baseline
▲ 0.50% · 4.625%
HK$76,836
+HK$4,407/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,858/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,822
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,856
−HK$2,062/mo
Today · 4.125%
HK$79,918
baseline
▲ 0.50% · 4.625%
HK$84,131
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,836/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,514
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,988
−HK$2,513/mo
Today · 4.125%
HK$84,501
baseline
▲ 0.50% · 4.625%
HK$89,642
+HK$5,141/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,002/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,459
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,831
−HK$2,407/mo
Today · 4.125%
HK$93,238
baseline
▲ 0.50% · 4.625%
HK$98,153
+HK$4,915/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,476/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,233
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,413
−HK$3,231/mo
Today · 4.125%
HK$108,644
baseline
▲ 0.50% · 4.625%
HK$115,254
+HK$6,610/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,288/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,733
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,783
−HK$3,095/mo
Today · 4.125%
HK$119,878
baseline
▲ 0.50% · 4.625%
HK$126,197
+HK$6,319/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,756/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,579 · Scale 2, in force from 26 Feb 2026)