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$56,856
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,625
−HK$1,797/mo
Today · 4.125%
HK$60,422
baseline
▲ 0.50% · 4.625%
HK$64,098
+HK$3,676/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,844/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,252
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,949
−HK$1,721/mo
Today · 4.125%
HK$66,670
baseline
▲ 0.50% · 4.625%
HK$70,184
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,340/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,228
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,350
−HK$2,156/mo
Today · 4.125%
HK$72,506
baseline
▲ 0.50% · 4.625%
HK$76,918
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,012/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,903
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,938
−HK$2,065/mo
Today · 4.125%
HK$80,003
baseline
▲ 0.50% · 4.625%
HK$84,221
+HK$4,218/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,006/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,599
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,075
−HK$2,516/mo
Today · 4.125%
HK$84,591
baseline
▲ 0.50% · 4.625%
HK$89,738
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,182/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,553
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,928
−HK$2,409/mo
Today · 4.125%
HK$93,337
baseline
▲ 0.50% · 4.625%
HK$98,257
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,674/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,342
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,525
−HK$3,234/mo
Today · 4.125%
HK$108,759
baseline
▲ 0.50% · 4.625%
HK$115,377
+HK$6,618/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,518/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,854
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,908
−HK$3,097/mo
Today · 4.125%
HK$120,005
baseline
▲ 0.50% · 4.625%
HK$126,331
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,010/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,706 · Scale 2, in force from 26 Feb 2026)