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$56,907
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,678
−HK$1,798/mo
Today · 4.125%
HK$60,476
baseline
▲ 0.50% · 4.625%
HK$64,156
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,952/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,309
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,007
−HK$1,722/mo
Today · 4.125%
HK$66,729
baseline
▲ 0.50% · 4.625%
HK$70,247
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,458/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,289
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,413
−HK$2,158/mo
Today · 4.125%
HK$72,571
baseline
▲ 0.50% · 4.625%
HK$76,987
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,142/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,971
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,008
−HK$2,067/mo
Today · 4.125%
HK$80,075
baseline
▲ 0.50% · 4.625%
HK$84,296
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,150/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,670
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,149
−HK$2,517/mo
Today · 4.125%
HK$84,666
baseline
▲ 0.50% · 4.625%
HK$89,818
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,332/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,632
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,010
−HK$2,411/mo
Today · 4.125%
HK$93,421
baseline
▲ 0.50% · 4.625%
HK$98,345
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,842/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,433
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,620
−HK$3,237/mo
Today · 4.125%
HK$108,857
baseline
▲ 0.50% · 4.625%
HK$115,480
+HK$6,623/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,714/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,956
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,012
−HK$3,101/mo
Today · 4.125%
HK$120,113
baseline
▲ 0.50% · 4.625%
HK$126,444
+HK$6,331/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,226/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,655 · Scale 2, in force from 26 Feb 2026)