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$56,884
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,654
−HK$1,797/mo
Today · 4.125%
HK$60,451
baseline
▲ 0.50% · 4.625%
HK$64,130
+HK$3,679/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,902/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,283
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,980
−HK$1,722/mo
Today · 4.125%
HK$66,702
baseline
▲ 0.50% · 4.625%
HK$70,218
+HK$3,516/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,404/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,261
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,384
−HK$2,158/mo
Today · 4.125%
HK$72,542
baseline
▲ 0.50% · 4.625%
HK$76,956
+HK$4,414/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,084/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,940
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,976
−HK$2,067/mo
Today · 4.125%
HK$80,043
baseline
▲ 0.50% · 4.625%
HK$84,262
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,086/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,638
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,115
−HK$2,517/mo
Today · 4.125%
HK$84,632
baseline
▲ 0.50% · 4.625%
HK$89,782
+HK$5,150/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,264/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,596
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,972
−HK$2,411/mo
Today · 4.125%
HK$93,383
baseline
▲ 0.50% · 4.625%
HK$98,305
+HK$4,922/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,766/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,392
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,577
−HK$3,235/mo
Today · 4.125%
HK$108,812
baseline
▲ 0.50% · 4.625%
HK$115,433
+HK$6,621/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,624/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,910
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,965
−HK$3,099/mo
Today · 4.125%
HK$120,064
baseline
▲ 0.50% · 4.625%
HK$126,393
+HK$6,329/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,128/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,223 · Scale 2, in force from 26 Feb 2026)