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$56,874
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,643
−HK$1,797/mo
Today · 4.125%
HK$60,440
baseline
▲ 0.50% · 4.625%
HK$64,118
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,880/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,272
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,969
−HK$1,721/mo
Today · 4.125%
HK$66,690
baseline
▲ 0.50% · 4.625%
HK$70,205
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,380/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,249
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,372
−HK$2,157/mo
Today · 4.125%
HK$72,529
baseline
▲ 0.50% · 4.625%
HK$76,942
+HK$4,413/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,058/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,926
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,962
−HK$2,066/mo
Today · 4.125%
HK$80,028
baseline
▲ 0.50% · 4.625%
HK$84,247
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,056/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,624
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,100
−HK$2,517/mo
Today · 4.125%
HK$84,617
baseline
▲ 0.50% · 4.625%
HK$89,765
+HK$5,148/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,234/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,580
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,956
−HK$2,410/mo
Today · 4.125%
HK$93,366
baseline
▲ 0.50% · 4.625%
HK$98,288
+HK$4,922/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,732/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,373
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,558
−HK$3,235/mo
Today · 4.125%
HK$108,793
baseline
▲ 0.50% · 4.625%
HK$115,413
+HK$6,620/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,586/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,889
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,944
−HK$3,098/mo
Today · 4.125%
HK$120,042
baseline
▲ 0.50% · 4.625%
HK$126,370
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,084/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,032 · Scale 2, in force from 26 Feb 2026)