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$56,732
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,497
−HK$1,793/mo
Today · 4.125%
HK$60,290
baseline
▲ 0.50% · 4.625%
HK$63,958
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,580/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,114
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,807
−HK$1,717/mo
Today · 4.125%
HK$66,524
baseline
▲ 0.50% · 4.625%
HK$70,030
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,048/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,078
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,196
−HK$2,152/mo
Today · 4.125%
HK$72,348
baseline
▲ 0.50% · 4.625%
HK$76,750
+HK$4,402/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,696/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,737
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,768
−HK$2,060/mo
Today · 4.125%
HK$79,828
baseline
▲ 0.50% · 4.625%
HK$84,036
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,656/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,425
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,895
−HK$2,511/mo
Today · 4.125%
HK$84,406
baseline
▲ 0.50% · 4.625%
HK$89,541
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,812/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,359
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,729
−HK$2,404/mo
Today · 4.125%
HK$93,133
baseline
▲ 0.50% · 4.625%
HK$98,042
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,266/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,118
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,294
−HK$3,227/mo
Today · 4.125%
HK$108,521
baseline
▲ 0.50% · 4.625%
HK$115,125
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,042/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,605
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,652
−HK$3,091/mo
Today · 4.125%
HK$119,743
baseline
▲ 0.50% · 4.625%
HK$126,054
+HK$6,311/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,486/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,387 · Scale 2, in force from 26 Feb 2026)