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$56,941
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,712
−HK$1,799/mo
Today · 4.125%
HK$60,511
baseline
▲ 0.50% · 4.625%
HK$64,193
+HK$3,682/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,022/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,346
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,045
−HK$1,723/mo
Today · 4.125%
HK$66,768
baseline
▲ 0.50% · 4.625%
HK$70,288
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,536/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,329
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,454
−HK$2,160/mo
Today · 4.125%
HK$72,614
baseline
▲ 0.50% · 4.625%
HK$77,032
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,228/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,015
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,054
−HK$2,068/mo
Today · 4.125%
HK$80,122
baseline
▲ 0.50% · 4.625%
HK$84,345
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,244/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,717
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,197
−HK$2,519/mo
Today · 4.125%
HK$84,716
baseline
▲ 0.50% · 4.625%
HK$89,871
+HK$5,155/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,432/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,684
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,063
−HK$2,413/mo
Today · 4.125%
HK$93,476
baseline
▲ 0.50% · 4.625%
HK$98,403
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,952/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,493
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,681
−HK$3,239/mo
Today · 4.125%
HK$108,920
baseline
▲ 0.50% · 4.625%
HK$115,548
+HK$6,628/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,840/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,023
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,081
−HK$3,102/mo
Today · 4.125%
HK$120,183
baseline
▲ 0.50% · 4.625%
HK$126,518
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,366/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,275 · Scale 2, in force from 26 Feb 2026)