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$56,903
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,673
−HK$1,798/mo
Today · 4.125%
HK$60,471
baseline
▲ 0.50% · 4.625%
HK$64,150
+HK$3,679/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,942/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,304
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,001
−HK$1,723/mo
Today · 4.125%
HK$66,724
baseline
▲ 0.50% · 4.625%
HK$70,241
+HK$3,517/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,448/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,283
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,407
−HK$2,158/mo
Today · 4.125%
HK$72,565
baseline
▲ 0.50% · 4.625%
HK$76,980
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,130/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,964
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,002
−HK$2,066/mo
Today · 4.125%
HK$80,068
baseline
▲ 0.50% · 4.625%
HK$84,289
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,136/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,664
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,142
−HK$2,517/mo
Today · 4.125%
HK$84,659
baseline
▲ 0.50% · 4.625%
HK$89,811
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,318/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,625
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$91,002
−HK$2,411/mo
Today · 4.125%
HK$93,413
baseline
▲ 0.50% · 4.625%
HK$98,337
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,826/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,425
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,611
−HK$3,237/mo
Today · 4.125%
HK$108,848
baseline
▲ 0.50% · 4.625%
HK$115,471
+HK$6,623/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,696/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,946
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,002
−HK$3,101/mo
Today · 4.125%
HK$120,103
baseline
▲ 0.50% · 4.625%
HK$126,433
+HK$6,330/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,206/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,565 · Scale 2, in force from 26 Feb 2026)