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$56,904
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,674
−HK$1,799/mo
Today · 4.125%
HK$60,473
baseline
▲ 0.50% · 4.625%
HK$64,152
+HK$3,679/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,946/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,306
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,003
−HK$1,723/mo
Today · 4.125%
HK$66,726
baseline
▲ 0.50% · 4.625%
HK$70,243
+HK$3,517/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,452/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,285
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,409
−HK$2,158/mo
Today · 4.125%
HK$72,567
baseline
▲ 0.50% · 4.625%
HK$76,983
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,134/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,967
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,004
−HK$2,067/mo
Today · 4.125%
HK$80,071
baseline
▲ 0.50% · 4.625%
HK$84,292
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,142/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,666
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,144
−HK$2,518/mo
Today · 4.125%
HK$84,662
baseline
▲ 0.50% · 4.625%
HK$89,813
+HK$5,151/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,324/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,628
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$91,005
−HK$2,411/mo
Today · 4.125%
HK$93,416
baseline
▲ 0.50% · 4.625%
HK$98,340
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,832/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,428
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,614
−HK$3,237/mo
Today · 4.125%
HK$108,851
baseline
▲ 0.50% · 4.625%
HK$115,474
+HK$6,623/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,702/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,950
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$117,006
−HK$3,100/mo
Today · 4.125%
HK$120,106
baseline
▲ 0.50% · 4.625%
HK$126,437
+HK$6,331/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,212/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,599 · Scale 2, in force from 26 Feb 2026)