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$56,570
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,329
−HK$1,788/mo
Today · 4.125%
HK$60,117
baseline
▲ 0.50% · 4.625%
HK$63,775
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,234/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,933
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,621
−HK$1,712/mo
Today · 4.125%
HK$66,333
baseline
▲ 0.50% · 4.625%
HK$69,830
+HK$3,497/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,666/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,884
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,995
−HK$2,146/mo
Today · 4.125%
HK$72,141
baseline
▲ 0.50% · 4.625%
HK$76,530
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$144,282/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,520
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,545
−HK$2,055/mo
Today · 4.125%
HK$79,600
baseline
▲ 0.50% · 4.625%
HK$83,796
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$159,200/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,198
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,661
−HK$2,503/mo
Today · 4.125%
HK$84,164
baseline
▲ 0.50% · 4.625%
HK$89,285
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,328/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,107
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,470
−HK$2,397/mo
Today · 4.125%
HK$92,867
baseline
▲ 0.50% · 4.625%
HK$97,762
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,734/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,826
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,993
−HK$3,218/mo
Today · 4.125%
HK$108,211
baseline
▲ 0.50% · 4.625%
HK$114,795
+HK$6,584/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,422/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,280
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,318
−HK$3,082/mo
Today · 4.125%
HK$119,400
baseline
▲ 0.50% · 4.625%
HK$125,694
+HK$6,294/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,800/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,363 · Scale 2, in force from 26 Feb 2026)