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$56,751
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,516
−HK$1,794/mo
Today · 4.125%
HK$60,310
baseline
▲ 0.50% · 4.625%
HK$63,979
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,620/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,135
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,828
−HK$1,718/mo
Today · 4.125%
HK$66,546
baseline
▲ 0.50% · 4.625%
HK$70,054
+HK$3,508/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,092/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,101
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,219
−HK$2,153/mo
Today · 4.125%
HK$72,372
baseline
▲ 0.50% · 4.625%
HK$76,775
+HK$4,403/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$144,744/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,762
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,794
−HK$2,061/mo
Today · 4.125%
HK$79,855
baseline
▲ 0.50% · 4.625%
HK$84,064
+HK$4,209/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$159,710/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,451
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,923
−HK$2,511/mo
Today · 4.125%
HK$84,434
baseline
▲ 0.50% · 4.625%
HK$89,571
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,868/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,389
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,759
−HK$2,405/mo
Today · 4.125%
HK$93,164
baseline
▲ 0.50% · 4.625%
HK$98,075
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,328/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,152
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,329
−HK$3,229/mo
Today · 4.125%
HK$108,558
baseline
▲ 0.50% · 4.625%
HK$115,163
+HK$6,605/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,116/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,643
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,691
−HK$3,092/mo
Today · 4.125%
HK$119,783
baseline
▲ 0.50% · 4.625%
HK$126,096
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,566/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,739 · Scale 2, in force from 26 Feb 2026)