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$56,932
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,703
−HK$1,799/mo
Today · 4.125%
HK$60,502
baseline
▲ 0.50% · 4.625%
HK$64,183
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,004/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,336
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,035
−HK$1,723/mo
Today · 4.125%
HK$66,758
baseline
▲ 0.50% · 4.625%
HK$70,277
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,516/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,318
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,443
−HK$2,159/mo
Today · 4.125%
HK$72,602
baseline
▲ 0.50% · 4.625%
HK$77,020
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,204/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,003
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,042
−HK$2,068/mo
Today · 4.125%
HK$80,110
baseline
▲ 0.50% · 4.625%
HK$84,332
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,220/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,705
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,184
−HK$2,519/mo
Today · 4.125%
HK$84,703
baseline
▲ 0.50% · 4.625%
HK$89,857
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,406/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,671
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,049
−HK$2,412/mo
Today · 4.125%
HK$93,461
baseline
▲ 0.50% · 4.625%
HK$98,388
+HK$4,927/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,922/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,477
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,665
−HK$3,239/mo
Today · 4.125%
HK$108,904
baseline
▲ 0.50% · 4.625%
HK$115,530
+HK$6,626/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,808/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,005
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,063
−HK$3,101/mo
Today · 4.125%
HK$120,164
baseline
▲ 0.50% · 4.625%
HK$126,499
+HK$6,335/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,328/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,112 · Scale 2, in force from 26 Feb 2026)