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$56,681
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,444
−HK$1,792/mo
Today · 4.125%
HK$60,236
baseline
▲ 0.50% · 4.625%
HK$63,901
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,472/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,057
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,748
−HK$1,716/mo
Today · 4.125%
HK$66,464
baseline
▲ 0.50% · 4.625%
HK$69,968
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,928/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,017
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,133
−HK$2,150/mo
Today · 4.125%
HK$72,283
baseline
▲ 0.50% · 4.625%
HK$76,681
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,566/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,669
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,698
−HK$2,059/mo
Today · 4.125%
HK$79,757
baseline
▲ 0.50% · 4.625%
HK$83,961
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,514/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,354
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,822
−HK$2,508/mo
Today · 4.125%
HK$84,330
baseline
▲ 0.50% · 4.625%
HK$89,461
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,660/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,280
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,648
−HK$2,402/mo
Today · 4.125%
HK$93,050
baseline
▲ 0.50% · 4.625%
HK$97,955
+HK$4,905/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,100/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,026
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,200
−HK$3,224/mo
Today · 4.125%
HK$108,424
baseline
▲ 0.50% · 4.625%
HK$115,022
+HK$6,598/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,848/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,503
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,547
−HK$3,088/mo
Today · 4.125%
HK$119,635
baseline
▲ 0.50% · 4.625%
HK$125,942
+HK$6,307/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,270/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,440 · Scale 2, in force from 26 Feb 2026)