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$56,854
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,623
−HK$1,796/mo
Today · 4.125%
HK$60,419
baseline
▲ 0.50% · 4.625%
HK$64,096
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,838/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,250
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,946
−HK$1,721/mo
Today · 4.125%
HK$66,667
baseline
▲ 0.50% · 4.625%
HK$70,181
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,334/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,225
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,347
−HK$2,156/mo
Today · 4.125%
HK$72,503
baseline
▲ 0.50% · 4.625%
HK$76,915
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,006/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,900
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,935
−HK$2,065/mo
Today · 4.125%
HK$80,000
baseline
▲ 0.50% · 4.625%
HK$84,217
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,000/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,596
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,072
−HK$2,515/mo
Today · 4.125%
HK$84,587
baseline
▲ 0.50% · 4.625%
HK$89,734
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,174/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,549
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,924
−HK$2,409/mo
Today · 4.125%
HK$93,333
baseline
▲ 0.50% · 4.625%
HK$98,253
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,666/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,337
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,521
−HK$3,234/mo
Today · 4.125%
HK$108,755
baseline
▲ 0.50% · 4.625%
HK$115,372
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,510/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,849
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,903
−HK$3,097/mo
Today · 4.125%
HK$120,000
baseline
▲ 0.50% · 4.625%
HK$126,326
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,000/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,661 · Scale 2, in force from 26 Feb 2026)