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$56,875
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,644
−HK$1,798/mo
Today · 4.125%
HK$60,442
baseline
▲ 0.50% · 4.625%
HK$64,120
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,884/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,273
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,970
−HK$1,722/mo
Today · 4.125%
HK$66,692
baseline
▲ 0.50% · 4.625%
HK$70,207
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,384/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,250
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,373
−HK$2,157/mo
Today · 4.125%
HK$72,530
baseline
▲ 0.50% · 4.625%
HK$76,943
+HK$4,413/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,060/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,928
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,964
−HK$2,066/mo
Today · 4.125%
HK$80,030
baseline
▲ 0.50% · 4.625%
HK$84,248
+HK$4,218/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,060/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,625
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,102
−HK$2,517/mo
Today · 4.125%
HK$84,619
baseline
▲ 0.50% · 4.625%
HK$89,767
+HK$5,148/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,238/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,582
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,958
−HK$2,410/mo
Today · 4.125%
HK$93,368
baseline
▲ 0.50% · 4.625%
HK$98,290
+HK$4,922/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,736/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,375
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,560
−HK$3,235/mo
Today · 4.125%
HK$108,795
baseline
▲ 0.50% · 4.625%
HK$115,415
+HK$6,620/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,590/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,892
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,946
−HK$3,099/mo
Today · 4.125%
HK$120,045
baseline
▲ 0.50% · 4.625%
HK$126,373
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,090/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,056 · Scale 2, in force from 26 Feb 2026)