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$56,801
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,567
−HK$1,795/mo
Today · 4.125%
HK$60,362
baseline
▲ 0.50% · 4.625%
HK$64,035
+HK$3,673/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,724/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,190
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,885
−HK$1,719/mo
Today · 4.125%
HK$66,604
baseline
▲ 0.50% · 4.625%
HK$70,115
+HK$3,511/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,208/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,161
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,281
−HK$2,154/mo
Today · 4.125%
HK$72,435
baseline
▲ 0.50% · 4.625%
HK$76,842
+HK$4,407/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$144,870/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,828
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,862
−HK$2,063/mo
Today · 4.125%
HK$79,925
baseline
▲ 0.50% · 4.625%
HK$84,138
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$159,850/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,521
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,994
−HK$2,513/mo
Today · 4.125%
HK$84,507
baseline
▲ 0.50% · 4.625%
HK$89,649
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,014/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,466
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,839
−HK$2,407/mo
Today · 4.125%
HK$93,246
baseline
▲ 0.50% · 4.625%
HK$98,161
+HK$4,915/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,492/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,241
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,421
−HK$3,231/mo
Today · 4.125%
HK$108,652
baseline
▲ 0.50% · 4.625%
HK$115,264
+HK$6,612/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,304/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,742
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,793
−HK$3,094/mo
Today · 4.125%
HK$119,887
baseline
▲ 0.50% · 4.625%
HK$126,207
+HK$6,320/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,774/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,663 · Scale 2, in force from 26 Feb 2026)