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$56,919
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,689
−HK$1,799/mo
Today · 4.125%
HK$60,488
baseline
▲ 0.50% · 4.625%
HK$64,169
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,976/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,322
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,020
−HK$1,723/mo
Today · 4.125%
HK$66,743
baseline
▲ 0.50% · 4.625%
HK$70,261
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,486/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,303
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,427
−HK$2,159/mo
Today · 4.125%
HK$72,586
baseline
▲ 0.50% · 4.625%
HK$77,003
+HK$4,417/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,172/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,986
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,024
−HK$2,067/mo
Today · 4.125%
HK$80,091
baseline
▲ 0.50% · 4.625%
HK$84,313
+HK$4,222/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,182/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,060,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,687
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,165
−HK$2,519/mo
Today · 4.125%
HK$84,684
baseline
▲ 0.50% · 4.625%
HK$89,836
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,368/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,651
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,028
−HK$2,412/mo
Today · 4.125%
HK$93,440
baseline
▲ 0.50% · 4.625%
HK$98,365
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,880/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,454
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,641
−HK$3,238/mo
Today · 4.125%
HK$108,879
baseline
▲ 0.50% · 4.625%
HK$115,504
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,758/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,979
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,036
−HK$3,101/mo
Today · 4.125%
HK$120,137
baseline
▲ 0.50% · 4.625%
HK$126,470
+HK$6,333/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,274/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,871 · Scale 2, in force from 26 Feb 2026)