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$56,967
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,739
−HK$1,800/mo
Today · 4.125%
HK$60,539
baseline
▲ 0.50% · 4.625%
HK$64,223
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,078/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,375
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,075
−HK$1,724/mo
Today · 4.125%
HK$66,799
baseline
▲ 0.50% · 4.625%
HK$70,320
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,598/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,360
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,487
−HK$2,160/mo
Today · 4.125%
HK$72,647
baseline
▲ 0.50% · 4.625%
HK$77,067
+HK$4,420/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,294/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,050
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,090
−HK$2,069/mo
Today · 4.125%
HK$80,159
baseline
▲ 0.50% · 4.625%
HK$84,384
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,318/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,754
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,234
−HK$2,521/mo
Today · 4.125%
HK$84,755
baseline
▲ 0.50% · 4.625%
HK$89,912
+HK$5,157/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$169,510/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,725
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,105
−HK$2,414/mo
Today · 4.125%
HK$93,519
baseline
▲ 0.50% · 4.625%
HK$98,448
+HK$4,929/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$187,038/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,540
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,730
−HK$3,240/mo
Today · 4.125%
HK$108,970
baseline
▲ 0.50% · 4.625%
HK$115,601
+HK$6,631/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,940/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,075
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,134
−HK$3,104/mo
Today · 4.125%
HK$120,238
baseline
▲ 0.50% · 4.625%
HK$126,576
+HK$6,338/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,476/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,762 · Scale 2, in force from 26 Feb 2026)