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$56,721
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,486
−HK$1,792/mo
Today · 4.125%
HK$60,278
baseline
▲ 0.50% · 4.625%
HK$63,946
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,556/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,102
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,794
−HK$1,717/mo
Today · 4.125%
HK$66,511
baseline
▲ 0.50% · 4.625%
HK$70,017
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,022/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,065
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,183
−HK$2,151/mo
Today · 4.125%
HK$72,334
baseline
▲ 0.50% · 4.625%
HK$76,735
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,668/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,722
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,753
−HK$2,060/mo
Today · 4.125%
HK$79,813
baseline
▲ 0.50% · 4.625%
HK$84,020
+HK$4,207/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,626/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,410
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,880
−HK$2,509/mo
Today · 4.125%
HK$84,389
baseline
▲ 0.50% · 4.625%
HK$89,524
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,778/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,343
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,712
−HK$2,403/mo
Today · 4.125%
HK$93,115
baseline
▲ 0.50% · 4.625%
HK$98,024
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,230/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,098
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,274
−HK$3,227/mo
Today · 4.125%
HK$108,501
baseline
▲ 0.50% · 4.625%
HK$115,103
+HK$6,602/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,002/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,583
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,629
−HK$3,091/mo
Today · 4.125%
HK$119,720
baseline
▲ 0.50% · 4.625%
HK$126,030
+HK$6,310/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,440/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,185 · Scale 2, in force from 26 Feb 2026)