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$56,671
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,434
−HK$1,791/mo
Today · 4.125%
HK$60,225
baseline
▲ 0.50% · 4.625%
HK$63,889
+HK$3,664/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,450/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,046
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,737
−HK$1,715/mo
Today · 4.125%
HK$66,452
baseline
▲ 0.50% · 4.625%
HK$69,955
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,904/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,005
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,121
−HK$2,149/mo
Today · 4.125%
HK$72,270
baseline
▲ 0.50% · 4.625%
HK$76,667
+HK$4,397/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,540/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,655
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,684
−HK$2,059/mo
Today · 4.125%
HK$79,743
baseline
▲ 0.50% · 4.625%
HK$83,946
+HK$4,203/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,486/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,340
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,807
−HK$2,508/mo
Today · 4.125%
HK$84,315
baseline
▲ 0.50% · 4.625%
HK$89,445
+HK$5,130/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,630/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,264
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,632
−HK$2,401/mo
Today · 4.125%
HK$93,033
baseline
▲ 0.50% · 4.625%
HK$97,937
+HK$4,904/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,066/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,008
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,181
−HK$3,224/mo
Today · 4.125%
HK$108,405
baseline
▲ 0.50% · 4.625%
HK$115,001
+HK$6,596/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,810/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,483
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,526
−HK$3,088/mo
Today · 4.125%
HK$119,614
baseline
▲ 0.50% · 4.625%
HK$125,919
+HK$6,305/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,228/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,251 · Scale 2, in force from 26 Feb 2026)