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$56,965
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,736
−HK$1,801/mo
Today · 4.125%
HK$60,537
baseline
▲ 0.50% · 4.625%
HK$64,220
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,074/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,372
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,072
−HK$1,724/mo
Today · 4.125%
HK$66,796
baseline
▲ 0.50% · 4.625%
HK$70,317
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,592/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,357
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,484
−HK$2,160/mo
Today · 4.125%
HK$72,644
baseline
▲ 0.50% · 4.625%
HK$77,064
+HK$4,420/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,288/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,047
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,086
−HK$2,070/mo
Today · 4.125%
HK$80,156
baseline
▲ 0.50% · 4.625%
HK$84,381
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,312/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,750
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,231
−HK$2,520/mo
Today · 4.125%
HK$84,751
baseline
▲ 0.50% · 4.625%
HK$89,908
+HK$5,157/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$169,502/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,721
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,101
−HK$2,414/mo
Today · 4.125%
HK$93,515
baseline
▲ 0.50% · 4.625%
HK$98,444
+HK$4,929/mo
Deposit HK$7.49M · loan HK$17.49M · min. income ≈ HK$187,030/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,536
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,726
−HK$3,240/mo
Today · 4.125%
HK$108,966
baseline
▲ 0.50% · 4.625%
HK$115,596
+HK$6,630/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,932/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,070
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,130
−HK$3,103/mo
Today · 4.125%
HK$120,233
baseline
▲ 0.50% · 4.625%
HK$126,571
+HK$6,338/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,466/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,719 · Scale 2, in force from 26 Feb 2026)