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$56,898
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,668
−HK$1,798/mo
Today · 4.125%
HK$60,466
baseline
▲ 0.50% · 4.625%
HK$64,145
+HK$3,679/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,932/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,298
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,996
−HK$1,722/mo
Today · 4.125%
HK$66,718
baseline
▲ 0.50% · 4.625%
HK$70,235
+HK$3,517/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,436/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,277
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,401
−HK$2,158/mo
Today · 4.125%
HK$72,559
baseline
▲ 0.50% · 4.625%
HK$76,974
+HK$4,415/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,118/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,958
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,995
−HK$2,067/mo
Today · 4.125%
HK$80,062
baseline
▲ 0.50% · 4.625%
HK$84,282
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,124/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,657
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,135
−HK$2,517/mo
Today · 4.125%
HK$84,652
baseline
▲ 0.50% · 4.625%
HK$89,803
+HK$5,151/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,304/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,617
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,994
−HK$2,411/mo
Today · 4.125%
HK$93,405
baseline
▲ 0.50% · 4.625%
HK$98,329
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,810/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,416
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,602
−HK$3,236/mo
Today · 4.125%
HK$108,838
baseline
▲ 0.50% · 4.625%
HK$115,461
+HK$6,623/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,676/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,937
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,992
−HK$3,100/mo
Today · 4.125%
HK$120,092
baseline
▲ 0.50% · 4.625%
HK$126,423
+HK$6,331/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,184/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,476 · Scale 2, in force from 26 Feb 2026)