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$56,522
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,280
−HK$1,786/mo
Today · 4.125%
HK$60,066
baseline
▲ 0.50% · 4.625%
HK$63,721
+HK$3,655/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,132/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,880
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,567
−HK$1,710/mo
Today · 4.125%
HK$66,277
baseline
▲ 0.50% · 4.625%
HK$69,771
+HK$3,494/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,554/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,826
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,936
−HK$2,144/mo
Today · 4.125%
HK$72,080
baseline
▲ 0.50% · 4.625%
HK$76,466
+HK$4,386/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$144,160/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,456
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,480
−HK$2,053/mo
Today · 4.125%
HK$79,533
baseline
▲ 0.50% · 4.625%
HK$83,725
+HK$4,192/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$159,066/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,131
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,592
−HK$2,501/mo
Today · 4.125%
HK$84,093
baseline
▲ 0.50% · 4.625%
HK$89,210
+HK$5,117/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,186/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,032
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,393
−HK$2,395/mo
Today · 4.125%
HK$92,788
baseline
▲ 0.50% · 4.625%
HK$97,679
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,576/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,740
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,904
−HK$3,216/mo
Today · 4.125%
HK$108,120
baseline
▲ 0.50% · 4.625%
HK$114,699
+HK$6,579/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,240/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,184
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,220
−HK$3,079/mo
Today · 4.125%
HK$119,299
baseline
▲ 0.50% · 4.625%
HK$125,588
+HK$6,289/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,598/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,473 · Scale 2, in force from 26 Feb 2026)