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$56,791
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,557
−HK$1,795/mo
Today · 4.125%
HK$60,352
baseline
▲ 0.50% · 4.625%
HK$64,024
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,704/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,179
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,874
−HK$1,719/mo
Today · 4.125%
HK$66,593
baseline
▲ 0.50% · 4.625%
HK$70,103
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,186/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,149
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,269
−HK$2,153/mo
Today · 4.125%
HK$72,422
baseline
▲ 0.50% · 4.625%
HK$76,829
+HK$4,407/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,844/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,815
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,848
−HK$2,063/mo
Today · 4.125%
HK$79,911
baseline
▲ 0.50% · 4.625%
HK$84,123
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,822/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,507
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,980
−HK$2,513/mo
Today · 4.125%
HK$84,493
baseline
▲ 0.50% · 4.625%
HK$89,634
+HK$5,141/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,986/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,451
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,823
−HK$2,407/mo
Today · 4.125%
HK$93,230
baseline
▲ 0.50% · 4.625%
HK$98,144
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,460/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,223
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,403
−HK$3,231/mo
Today · 4.125%
HK$108,634
baseline
▲ 0.50% · 4.625%
HK$115,244
+HK$6,610/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,268/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,723
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,773
−HK$3,094/mo
Today · 4.125%
HK$119,867
baseline
▲ 0.50% · 4.625%
HK$126,185
+HK$6,318/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,734/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,482 · Scale 2, in force from 26 Feb 2026)