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$56,737
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,501
−HK$1,794/mo
Today · 4.125%
HK$60,295
baseline
▲ 0.50% · 4.625%
HK$63,963
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,590/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,119
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,812
−HK$1,717/mo
Today · 4.125%
HK$66,529
baseline
▲ 0.50% · 4.625%
HK$70,036
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,058/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,084
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,202
−HK$2,151/mo
Today · 4.125%
HK$72,353
baseline
▲ 0.50% · 4.625%
HK$76,756
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,706/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,743
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,774
−HK$2,061/mo
Today · 4.125%
HK$79,835
baseline
▲ 0.50% · 4.625%
HK$84,043
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,670/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,431
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,902
−HK$2,510/mo
Today · 4.125%
HK$84,412
baseline
▲ 0.50% · 4.625%
HK$89,549
+HK$5,137/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,824/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,367
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,736
−HK$2,405/mo
Today · 4.125%
HK$93,141
baseline
▲ 0.50% · 4.625%
HK$98,050
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,282/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,126
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,303
−HK$3,227/mo
Today · 4.125%
HK$108,530
baseline
▲ 0.50% · 4.625%
HK$115,134
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,060/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,614
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,661
−HK$3,091/mo
Today · 4.125%
HK$119,752
baseline
▲ 0.50% · 4.625%
HK$126,065
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,504/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,473 · Scale 2, in force from 26 Feb 2026)