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$56,930
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,700
−HK$1,800/mo
Today · 4.125%
HK$60,500
baseline
▲ 0.50% · 4.625%
HK$64,181
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$121,000/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,334
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,032
−HK$1,723/mo
Today · 4.125%
HK$66,755
baseline
▲ 0.50% · 4.625%
HK$70,274
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,510/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,316
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,441
−HK$2,159/mo
Today · 4.125%
HK$72,600
baseline
▲ 0.50% · 4.625%
HK$77,017
+HK$4,417/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,200/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,000
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,039
−HK$2,067/mo
Today · 4.125%
HK$80,106
baseline
▲ 0.50% · 4.625%
HK$84,329
+HK$4,223/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,212/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,702
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,181
−HK$2,519/mo
Today · 4.125%
HK$84,700
baseline
▲ 0.50% · 4.625%
HK$89,853
+HK$5,153/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,400/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,667
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,045
−HK$2,413/mo
Today · 4.125%
HK$93,458
baseline
▲ 0.50% · 4.625%
HK$98,384
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,916/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,473
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,661
−HK$3,238/mo
Today · 4.125%
HK$108,899
baseline
▲ 0.50% · 4.625%
HK$115,526
+HK$6,627/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,798/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,001
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,058
−HK$3,102/mo
Today · 4.125%
HK$120,160
baseline
▲ 0.50% · 4.625%
HK$126,494
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,320/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,070 · Scale 2, in force from 26 Feb 2026)