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$56,633
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,395
−HK$1,790/mo
Today · 4.125%
HK$60,185
baseline
▲ 0.50% · 4.625%
HK$63,847
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,370/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,004
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,694
−HK$1,714/mo
Today · 4.125%
HK$66,408
baseline
▲ 0.50% · 4.625%
HK$69,908
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,816/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,960
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,074
−HK$2,147/mo
Today · 4.125%
HK$72,221
baseline
▲ 0.50% · 4.625%
HK$76,616
+HK$4,395/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,442/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,605
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,632
−HK$2,057/mo
Today · 4.125%
HK$79,689
baseline
▲ 0.50% · 4.625%
HK$83,890
+HK$4,201/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,378/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,286
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,753
−HK$2,505/mo
Today · 4.125%
HK$84,258
baseline
▲ 0.50% · 4.625%
HK$89,385
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,516/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,205
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,571
−HK$2,400/mo
Today · 4.125%
HK$92,971
baseline
▲ 0.50% · 4.625%
HK$97,871
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,942/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,940
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,111
−HK$3,221/mo
Today · 4.125%
HK$108,332
baseline
▲ 0.50% · 4.625%
HK$114,924
+HK$6,592/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,664/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,407
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,448
−HK$3,086/mo
Today · 4.125%
HK$119,534
baseline
▲ 0.50% · 4.625%
HK$125,835
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,068/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,543 · Scale 2, in force from 26 Feb 2026)