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$56,739
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,504
−HK$1,793/mo
Today · 4.125%
HK$60,297
baseline
▲ 0.50% · 4.625%
HK$63,966
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,594/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,122
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,815
−HK$1,717/mo
Today · 4.125%
HK$66,532
baseline
▲ 0.50% · 4.625%
HK$70,039
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,064/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,087
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,205
−HK$2,152/mo
Today · 4.125%
HK$72,357
baseline
▲ 0.50% · 4.625%
HK$76,759
+HK$4,402/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,714/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,746
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,778
−HK$2,061/mo
Today · 4.125%
HK$79,839
baseline
▲ 0.50% · 4.625%
HK$84,047
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,678/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,435
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,906
−HK$2,510/mo
Today · 4.125%
HK$84,416
baseline
▲ 0.50% · 4.625%
HK$89,553
+HK$5,137/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,832/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,371
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,741
−HK$2,404/mo
Today · 4.125%
HK$93,145
baseline
▲ 0.50% · 4.625%
HK$98,055
+HK$4,910/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,290/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,131
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,307
−HK$3,228/mo
Today · 4.125%
HK$108,535
baseline
▲ 0.50% · 4.625%
HK$115,139
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,070/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,619
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,666
−HK$3,092/mo
Today · 4.125%
HK$119,758
baseline
▲ 0.50% · 4.625%
HK$126,070
+HK$6,312/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,516/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,520 · Scale 2, in force from 26 Feb 2026)