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$56,757
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,522
−HK$1,794/mo
Today · 4.125%
HK$60,316
baseline
▲ 0.50% · 4.625%
HK$63,986
+HK$3,670/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,632/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,141
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,835
−HK$1,718/mo
Today · 4.125%
HK$66,553
baseline
▲ 0.50% · 4.625%
HK$70,061
+HK$3,508/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,106/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,108
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,227
−HK$2,152/mo
Today · 4.125%
HK$72,379
baseline
▲ 0.50% · 4.625%
HK$76,783
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$144,758/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,770
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,802
−HK$2,061/mo
Today · 4.125%
HK$79,863
baseline
▲ 0.50% · 4.625%
HK$84,073
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$159,726/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,460
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,931
−HK$2,511/mo
Today · 4.125%
HK$84,442
baseline
▲ 0.50% · 4.625%
HK$89,580
+HK$5,138/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,884/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,398
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,769
−HK$2,405/mo
Today · 4.125%
HK$93,174
baseline
▲ 0.50% · 4.625%
HK$98,085
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,348/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,162
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,340
−HK$3,229/mo
Today · 4.125%
HK$108,569
baseline
▲ 0.50% · 4.625%
HK$115,175
+HK$6,606/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,138/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,655
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,703
−HK$3,092/mo
Today · 4.125%
HK$119,795
baseline
▲ 0.50% · 4.625%
HK$126,109
+HK$6,314/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,590/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,849 · Scale 2, in force from 26 Feb 2026)