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$56,961
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,732
−HK$1,800/mo
Today · 4.125%
HK$60,532
baseline
▲ 0.50% · 4.625%
HK$64,216
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,064/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,368
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,068
−HK$1,724/mo
Today · 4.125%
HK$66,792
baseline
▲ 0.50% · 4.625%
HK$70,312
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,584/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,353
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,479
−HK$2,160/mo
Today · 4.125%
HK$72,639
baseline
▲ 0.50% · 4.625%
HK$77,059
+HK$4,420/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,278/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,042
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,081
−HK$2,069/mo
Today · 4.125%
HK$80,150
baseline
▲ 0.50% · 4.625%
HK$84,375
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,300/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,745
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,225
−HK$2,520/mo
Today · 4.125%
HK$84,745
baseline
▲ 0.50% · 4.625%
HK$89,902
+HK$5,157/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$169,490/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,715
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,095
−HK$2,413/mo
Today · 4.125%
HK$93,508
baseline
▲ 0.50% · 4.625%
HK$98,437
+HK$4,929/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$187,016/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,529
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,718
−HK$3,240/mo
Today · 4.125%
HK$108,958
baseline
▲ 0.50% · 4.625%
HK$115,588
+HK$6,630/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,916/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,062
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,122
−HK$3,103/mo
Today · 4.125%
HK$120,225
baseline
▲ 0.50% · 4.625%
HK$126,562
+HK$6,337/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,450/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,646 · Scale 2, in force from 26 Feb 2026)