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$56,734
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,498
−HK$1,793/mo
Today · 4.125%
HK$60,291
baseline
▲ 0.50% · 4.625%
HK$63,960
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,582/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,116
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,808
−HK$1,718/mo
Today · 4.125%
HK$66,526
baseline
▲ 0.50% · 4.625%
HK$70,032
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,052/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,080
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,198
−HK$2,152/mo
Today · 4.125%
HK$72,350
baseline
▲ 0.50% · 4.625%
HK$76,752
+HK$4,402/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,700/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,739
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,770
−HK$2,061/mo
Today · 4.125%
HK$79,831
baseline
▲ 0.50% · 4.625%
HK$84,039
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,662/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,427
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,898
−HK$2,510/mo
Today · 4.125%
HK$84,408
baseline
▲ 0.50% · 4.625%
HK$89,544
+HK$5,136/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,816/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,362
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,732
−HK$2,404/mo
Today · 4.125%
HK$93,136
baseline
▲ 0.50% · 4.625%
HK$98,045
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,272/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,121
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,297
−HK$3,228/mo
Today · 4.125%
HK$108,525
baseline
▲ 0.50% · 4.625%
HK$115,128
+HK$6,603/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,050/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,608
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,655
−HK$3,091/mo
Today · 4.125%
HK$119,746
baseline
▲ 0.50% · 4.625%
HK$126,058
+HK$6,312/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,492/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,418 · Scale 2, in force from 26 Feb 2026)