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$56,935
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,706
−HK$1,799/mo
Today · 4.125%
HK$60,505
baseline
▲ 0.50% · 4.625%
HK$64,187
+HK$3,682/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,010/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,339
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,038
−HK$1,723/mo
Today · 4.125%
HK$66,761
baseline
▲ 0.50% · 4.625%
HK$70,281
+HK$3,520/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,522/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,322
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,447
−HK$2,159/mo
Today · 4.125%
HK$72,606
baseline
▲ 0.50% · 4.625%
HK$77,024
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,212/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,007
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,046
−HK$2,068/mo
Today · 4.125%
HK$80,114
baseline
▲ 0.50% · 4.625%
HK$84,337
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,228/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,709
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,188
−HK$2,519/mo
Today · 4.125%
HK$84,707
baseline
▲ 0.50% · 4.625%
HK$89,861
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,414/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,675
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,053
−HK$2,413/mo
Today · 4.125%
HK$93,466
baseline
▲ 0.50% · 4.625%
HK$98,393
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,932/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,483
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,671
−HK$3,238/mo
Today · 4.125%
HK$108,909
baseline
▲ 0.50% · 4.625%
HK$115,536
+HK$6,627/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,818/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,011
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,069
−HK$3,102/mo
Today · 4.125%
HK$120,171
baseline
▲ 0.50% · 4.625%
HK$126,505
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,342/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,167 · Scale 2, in force from 26 Feb 2026)