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$56,777
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,543
−HK$1,794/mo
Today · 4.125%
HK$60,337
baseline
▲ 0.50% · 4.625%
HK$64,009
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,674/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,164
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,858
−HK$1,718/mo
Today · 4.125%
HK$66,576
baseline
▲ 0.50% · 4.625%
HK$70,086
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,152/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,132
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,252
−HK$2,153/mo
Today · 4.125%
HK$72,405
baseline
▲ 0.50% · 4.625%
HK$76,810
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,810/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,796
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,829
−HK$2,062/mo
Today · 4.125%
HK$79,891
baseline
▲ 0.50% · 4.625%
HK$84,103
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,782/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,488
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,960
−HK$2,512/mo
Today · 4.125%
HK$84,472
baseline
▲ 0.50% · 4.625%
HK$89,612
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,944/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,429
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,801
−HK$2,406/mo
Today · 4.125%
HK$93,207
baseline
▲ 0.50% · 4.625%
HK$98,120
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,414/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,198
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,377
−HK$3,230/mo
Today · 4.125%
HK$108,607
baseline
▲ 0.50% · 4.625%
HK$115,216
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,214/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,695
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,744
−HK$3,093/mo
Today · 4.125%
HK$119,837
baseline
▲ 0.50% · 4.625%
HK$126,154
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,674/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,222 · Scale 2, in force from 26 Feb 2026)