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$56,836
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,604
−HK$1,796/mo
Today · 4.125%
HK$60,400
baseline
▲ 0.50% · 4.625%
HK$64,075
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,800/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,229
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,925
−HK$1,720/mo
Today · 4.125%
HK$66,645
baseline
▲ 0.50% · 4.625%
HK$70,158
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,290/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,203
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,324
−HK$2,156/mo
Today · 4.125%
HK$72,480
baseline
▲ 0.50% · 4.625%
HK$76,890
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,960/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,875
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,910
−HK$2,064/mo
Today · 4.125%
HK$79,974
baseline
▲ 0.50% · 4.625%
HK$84,190
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,948/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,570
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,045
−HK$2,515/mo
Today · 4.125%
HK$84,560
baseline
▲ 0.50% · 4.625%
HK$89,705
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,120/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,521
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,895
−HK$2,408/mo
Today · 4.125%
HK$93,303
baseline
▲ 0.50% · 4.625%
HK$98,221
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,606/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,304
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,487
−HK$3,233/mo
Today · 4.125%
HK$108,720
baseline
▲ 0.50% · 4.625%
HK$115,335
+HK$6,615/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,440/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,813
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,865
−HK$3,096/mo
Today · 4.125%
HK$119,961
baseline
▲ 0.50% · 4.625%
HK$126,285
+HK$6,324/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,922/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,319 · Scale 2, in force from 26 Feb 2026)