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$56,795
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,562
−HK$1,795/mo
Today · 4.125%
HK$60,357
baseline
▲ 0.50% · 4.625%
HK$64,029
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,714/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,184
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,879
−HK$1,719/mo
Today · 4.125%
HK$66,598
baseline
▲ 0.50% · 4.625%
HK$70,108
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,196/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,154
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,274
−HK$2,154/mo
Today · 4.125%
HK$72,428
baseline
▲ 0.50% · 4.625%
HK$76,835
+HK$4,407/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,856/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,821
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,854
−HK$2,063/mo
Today · 4.125%
HK$79,917
baseline
▲ 0.50% · 4.625%
HK$84,130
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,834/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,513
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,986
−HK$2,513/mo
Today · 4.125%
HK$84,499
baseline
▲ 0.50% · 4.625%
HK$89,641
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$168,998/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,458
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,830
−HK$2,407/mo
Today · 4.125%
HK$93,237
baseline
▲ 0.50% · 4.625%
HK$98,151
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,474/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,231
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,411
−HK$3,231/mo
Today · 4.125%
HK$108,642
baseline
▲ 0.50% · 4.625%
HK$115,253
+HK$6,611/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,284/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,731
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,781
−HK$3,095/mo
Today · 4.125%
HK$119,876
baseline
▲ 0.50% · 4.625%
HK$126,195
+HK$6,319/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,752/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,562 · Scale 2, in force from 26 Feb 2026)