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$56,946
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,717
−HK$1,800/mo
Today · 4.125%
HK$60,517
baseline
▲ 0.50% · 4.625%
HK$64,199
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,034/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,352
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,051
−HK$1,723/mo
Today · 4.125%
HK$66,774
baseline
▲ 0.50% · 4.625%
HK$70,294
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,548/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,335
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,461
−HK$2,159/mo
Today · 4.125%
HK$72,620
baseline
▲ 0.50% · 4.625%
HK$77,039
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,240/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,022
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,061
−HK$2,068/mo
Today · 4.125%
HK$80,129
baseline
▲ 0.50% · 4.625%
HK$84,353
+HK$4,224/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,258/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,724
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,204
−HK$2,520/mo
Today · 4.125%
HK$84,724
baseline
▲ 0.50% · 4.625%
HK$89,879
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,448/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,692
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,071
−HK$2,413/mo
Today · 4.125%
HK$93,484
baseline
▲ 0.50% · 4.625%
HK$98,412
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,968/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,503
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,691
−HK$3,239/mo
Today · 4.125%
HK$108,930
baseline
▲ 0.50% · 4.625%
HK$115,558
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,860/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,033
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,091
−HK$3,103/mo
Today · 4.125%
HK$120,194
baseline
▲ 0.50% · 4.625%
HK$126,529
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,388/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,372 · Scale 2, in force from 26 Feb 2026)