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$56,923
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,693
−HK$1,799/mo
Today · 4.125%
HK$60,492
baseline
▲ 0.50% · 4.625%
HK$64,173
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,984/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,326
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,024
−HK$1,723/mo
Today · 4.125%
HK$66,747
baseline
▲ 0.50% · 4.625%
HK$70,265
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,494/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,307
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,432
−HK$2,159/mo
Today · 4.125%
HK$72,591
baseline
▲ 0.50% · 4.625%
HK$77,008
+HK$4,417/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,182/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,991
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,029
−HK$2,068/mo
Today · 4.125%
HK$80,097
baseline
▲ 0.50% · 4.625%
HK$84,319
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,194/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,692
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,170
−HK$2,519/mo
Today · 4.125%
HK$84,689
baseline
▲ 0.50% · 4.625%
HK$89,842
+HK$5,153/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,378/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,656
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,034
−HK$2,412/mo
Today · 4.125%
HK$93,446
baseline
▲ 0.50% · 4.625%
HK$98,372
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,892/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,461
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,648
−HK$3,238/mo
Today · 4.125%
HK$108,886
baseline
▲ 0.50% · 4.625%
HK$115,511
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,772/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,986
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,043
−HK$3,102/mo
Today · 4.125%
HK$120,145
baseline
▲ 0.50% · 4.625%
HK$126,478
+HK$6,333/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,290/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,938 · Scale 2, in force from 26 Feb 2026)