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$56,627
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,388
−HK$1,790/mo
Today · 4.125%
HK$60,178
baseline
▲ 0.50% · 4.625%
HK$63,840
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,356/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,997
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,686
−HK$1,714/mo
Today · 4.125%
HK$66,400
baseline
▲ 0.50% · 4.625%
HK$69,900
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,800/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,952
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,066
−HK$2,147/mo
Today · 4.125%
HK$72,213
baseline
▲ 0.50% · 4.625%
HK$76,607
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,426/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,596
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,624
−HK$2,056/mo
Today · 4.125%
HK$79,680
baseline
▲ 0.50% · 4.625%
HK$83,881
+HK$4,201/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,360/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,278
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,744
−HK$2,505/mo
Today · 4.125%
HK$84,249
baseline
▲ 0.50% · 4.625%
HK$89,375
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,498/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,196
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,561
−HK$2,400/mo
Today · 4.125%
HK$92,961
baseline
▲ 0.50% · 4.625%
HK$97,861
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,922/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,928
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,099
−HK$3,221/mo
Today · 4.125%
HK$108,320
baseline
▲ 0.50% · 4.625%
HK$114,911
+HK$6,591/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,640/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,394
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,436
−HK$3,085/mo
Today · 4.125%
HK$119,521
baseline
▲ 0.50% · 4.625%
HK$125,821
+HK$6,300/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,042/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,427 · Scale 2, in force from 26 Feb 2026)