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$56,842
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,610
−HK$1,796/mo
Today · 4.125%
HK$60,406
baseline
▲ 0.50% · 4.625%
HK$64,082
+HK$3,676/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,812/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,236
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,932
−HK$1,720/mo
Today · 4.125%
HK$66,652
baseline
▲ 0.50% · 4.625%
HK$70,166
+HK$3,514/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,304/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,210
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,332
−HK$2,155/mo
Today · 4.125%
HK$72,487
baseline
▲ 0.50% · 4.625%
HK$76,898
+HK$4,411/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,974/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,883
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,918
−HK$2,065/mo
Today · 4.125%
HK$79,983
baseline
▲ 0.50% · 4.625%
HK$84,199
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,966/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,578
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,054
−HK$2,515/mo
Today · 4.125%
HK$84,569
baseline
▲ 0.50% · 4.625%
HK$89,714
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,138/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,530
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,904
−HK$2,409/mo
Today · 4.125%
HK$93,313
baseline
▲ 0.50% · 4.625%
HK$98,232
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,626/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,315
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,498
−HK$3,233/mo
Today · 4.125%
HK$108,731
baseline
▲ 0.50% · 4.625%
HK$115,347
+HK$6,616/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,462/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,824
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,877
−HK$3,097/mo
Today · 4.125%
HK$119,974
baseline
▲ 0.50% · 4.625%
HK$126,298
+HK$6,324/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,948/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,431 · Scale 2, in force from 26 Feb 2026)