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$56,879
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,649
−HK$1,797/mo
Today · 4.125%
HK$60,446
baseline
▲ 0.50% · 4.625%
HK$64,124
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,892/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,278
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,975
−HK$1,722/mo
Today · 4.125%
HK$66,697
baseline
▲ 0.50% · 4.625%
HK$70,212
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,394/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,255
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,379
−HK$2,157/mo
Today · 4.125%
HK$72,536
baseline
▲ 0.50% · 4.625%
HK$76,949
+HK$4,413/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,072/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,933
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,970
−HK$2,066/mo
Today · 4.125%
HK$80,036
baseline
▲ 0.50% · 4.625%
HK$84,255
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,072/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,631
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,108
−HK$2,517/mo
Today · 4.125%
HK$84,625
baseline
▲ 0.50% · 4.625%
HK$89,774
+HK$5,149/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,250/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,589
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,965
−HK$2,410/mo
Today · 4.125%
HK$93,375
baseline
▲ 0.50% · 4.625%
HK$98,297
+HK$4,922/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,750/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,383
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,568
−HK$3,235/mo
Today · 4.125%
HK$108,803
baseline
▲ 0.50% · 4.625%
HK$115,424
+HK$6,621/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,606/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,900
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,955
−HK$3,099/mo
Today · 4.125%
HK$120,054
baseline
▲ 0.50% · 4.625%
HK$126,382
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,108/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,135 · Scale 2, in force from 26 Feb 2026)