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$56,774
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,540
−HK$1,795/mo
Today · 4.125%
HK$60,335
baseline
▲ 0.50% · 4.625%
HK$64,006
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,670/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,161
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,855
−HK$1,718/mo
Today · 4.125%
HK$66,573
baseline
▲ 0.50% · 4.625%
HK$70,082
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,146/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,129
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,248
−HK$2,153/mo
Today · 4.125%
HK$72,401
baseline
▲ 0.50% · 4.625%
HK$76,807
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,802/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,793
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,826
−HK$2,062/mo
Today · 4.125%
HK$79,888
baseline
▲ 0.50% · 4.625%
HK$84,099
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,776/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,484
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,956
−HK$2,512/mo
Today · 4.125%
HK$84,468
baseline
▲ 0.50% · 4.625%
HK$89,608
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,936/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,425
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,797
−HK$2,405/mo
Today · 4.125%
HK$93,202
baseline
▲ 0.50% · 4.625%
HK$98,115
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,404/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,194
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,372
−HK$3,230/mo
Today · 4.125%
HK$108,602
baseline
▲ 0.50% · 4.625%
HK$115,210
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,204/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,689
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,739
−HK$3,093/mo
Today · 4.125%
HK$119,832
baseline
▲ 0.50% · 4.625%
HK$126,148
+HK$6,316/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,664/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,174 · Scale 2, in force from 26 Feb 2026)