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$56,892
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,662
−HK$1,798/mo
Today · 4.125%
HK$60,460
baseline
▲ 0.50% · 4.625%
HK$64,138
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,920/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,292
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,989
−HK$1,722/mo
Today · 4.125%
HK$66,711
baseline
▲ 0.50% · 4.625%
HK$70,228
+HK$3,517/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,422/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,270
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,394
−HK$2,158/mo
Today · 4.125%
HK$72,552
baseline
▲ 0.50% · 4.625%
HK$76,966
+HK$4,414/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,104/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,950
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,987
−HK$2,066/mo
Today · 4.125%
HK$80,053
baseline
▲ 0.50% · 4.625%
HK$84,273
+HK$4,220/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,106/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,649
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,126
−HK$2,517/mo
Today · 4.125%
HK$84,643
baseline
▲ 0.50% · 4.625%
HK$89,794
+HK$5,151/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,286/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,608
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,985
−HK$2,411/mo
Today · 4.125%
HK$93,396
baseline
▲ 0.50% · 4.625%
HK$98,319
+HK$4,923/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,792/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,406
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,591
−HK$3,236/mo
Today · 4.125%
HK$108,827
baseline
▲ 0.50% · 4.625%
HK$115,449
+HK$6,622/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,654/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,925
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,981
−HK$3,099/mo
Today · 4.125%
HK$120,080
baseline
▲ 0.50% · 4.625%
HK$126,410
+HK$6,330/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,160/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,367 · Scale 2, in force from 26 Feb 2026)