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$56,466
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,222
−HK$1,784/mo
Today · 4.125%
HK$60,006
baseline
▲ 0.50% · 4.625%
HK$63,658
+HK$3,652/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,012/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,817
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,502
−HK$1,709/mo
Today · 4.125%
HK$66,211
baseline
▲ 0.50% · 4.625%
HK$69,701
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,422/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,759
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,866
−HK$2,142/mo
Today · 4.125%
HK$72,008
baseline
▲ 0.50% · 4.625%
HK$76,389
+HK$4,381/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,016/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,381
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,402
−HK$2,051/mo
Today · 4.125%
HK$79,453
baseline
▲ 0.50% · 4.625%
HK$83,642
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,906/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,052
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,511
−HK$2,498/mo
Today · 4.125%
HK$84,009
baseline
▲ 0.50% · 4.625%
HK$89,121
+HK$5,112/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$168,018/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,944
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,303
−HK$2,393/mo
Today · 4.125%
HK$92,696
baseline
▲ 0.50% · 4.625%
HK$97,582
+HK$4,886/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,392/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,638
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,799
−HK$3,213/mo
Today · 4.125%
HK$108,012
baseline
▲ 0.50% · 4.625%
HK$114,584
+HK$6,572/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,024/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,071
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,104
−HK$3,076/mo
Today · 4.125%
HK$119,180
baseline
▲ 0.50% · 4.625%
HK$125,462
+HK$6,282/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,360/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,420 · Scale 2, in force from 26 Feb 2026)