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$56,820
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,587
−HK$1,796/mo
Today · 4.125%
HK$60,383
baseline
▲ 0.50% · 4.625%
HK$64,057
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,766/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,211
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,907
−HK$1,720/mo
Today · 4.125%
HK$66,627
baseline
▲ 0.50% · 4.625%
HK$70,138
+HK$3,511/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,254/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,184
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,305
−HK$2,154/mo
Today · 4.125%
HK$72,459
baseline
▲ 0.50% · 4.625%
HK$76,868
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,918/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,854
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,888
−HK$2,064/mo
Today · 4.125%
HK$79,952
baseline
▲ 0.50% · 4.625%
HK$84,166
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,904/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,548
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,022
−HK$2,514/mo
Today · 4.125%
HK$84,536
baseline
▲ 0.50% · 4.625%
HK$89,680
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,072/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,496
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,869
−HK$2,408/mo
Today · 4.125%
HK$93,277
baseline
▲ 0.50% · 4.625%
HK$98,194
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,554/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,276
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,457
−HK$3,232/mo
Today · 4.125%
HK$108,689
baseline
▲ 0.50% · 4.625%
HK$115,303
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,378/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,781
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,832
−HK$3,096/mo
Today · 4.125%
HK$119,928
baseline
▲ 0.50% · 4.625%
HK$126,249
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,856/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,021 · Scale 2, in force from 26 Feb 2026)