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$56,779
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,546
−HK$1,794/mo
Today · 4.125%
HK$60,340
baseline
▲ 0.50% · 4.625%
HK$64,012
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,680/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,167
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,861
−HK$1,718/mo
Today · 4.125%
HK$66,579
baseline
▲ 0.50% · 4.625%
HK$70,089
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,158/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,135
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,255
−HK$2,153/mo
Today · 4.125%
HK$72,408
baseline
▲ 0.50% · 4.625%
HK$76,814
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,816/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,800
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,833
−HK$2,062/mo
Today · 4.125%
HK$79,895
baseline
▲ 0.50% · 4.625%
HK$84,107
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,790/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,491
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,964
−HK$2,512/mo
Today · 4.125%
HK$84,476
baseline
▲ 0.50% · 4.625%
HK$89,616
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,952/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,433
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,805
−HK$2,406/mo
Today · 4.125%
HK$93,211
baseline
▲ 0.50% · 4.625%
HK$98,124
+HK$4,913/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,422/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,203
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,382
−HK$3,230/mo
Today · 4.125%
HK$108,612
baseline
▲ 0.50% · 4.625%
HK$115,221
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,224/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,700
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,749
−HK$3,094/mo
Today · 4.125%
HK$119,843
baseline
▲ 0.50% · 4.625%
HK$126,160
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,686/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,271 · Scale 2, in force from 26 Feb 2026)