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$56,568
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,327
−HK$1,788/mo
Today · 4.125%
HK$60,115
baseline
▲ 0.50% · 4.625%
HK$63,773
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,230/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,931
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,619
−HK$1,712/mo
Today · 4.125%
HK$66,331
baseline
▲ 0.50% · 4.625%
HK$69,827
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,662/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,881
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,993
−HK$2,145/mo
Today · 4.125%
HK$72,138
baseline
▲ 0.50% · 4.625%
HK$76,527
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,276/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,517
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,542
−HK$2,055/mo
Today · 4.125%
HK$79,597
baseline
▲ 0.50% · 4.625%
HK$83,793
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,194/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,195
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,658
−HK$2,503/mo
Today · 4.125%
HK$84,161
baseline
▲ 0.50% · 4.625%
HK$89,282
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,322/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,103
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,466
−HK$2,397/mo
Today · 4.125%
HK$92,863
baseline
▲ 0.50% · 4.625%
HK$97,758
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,726/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,822
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,989
−HK$3,218/mo
Today · 4.125%
HK$108,207
baseline
▲ 0.50% · 4.625%
HK$114,791
+HK$6,584/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,414/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,276
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,314
−HK$3,082/mo
Today · 4.125%
HK$119,396
baseline
▲ 0.50% · 4.625%
HK$125,689
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,792/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,323 · Scale 2, in force from 26 Feb 2026)