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$56,750
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,516
−HK$1,793/mo
Today · 4.125%
HK$60,309
baseline
▲ 0.50% · 4.625%
HK$63,979
+HK$3,670/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,618/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,134
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,827
−HK$1,718/mo
Today · 4.125%
HK$66,545
baseline
▲ 0.50% · 4.625%
HK$70,053
+HK$3,508/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,090/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,100
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,219
−HK$2,152/mo
Today · 4.125%
HK$72,371
baseline
▲ 0.50% · 4.625%
HK$76,774
+HK$4,403/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$144,742/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,761
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,793
−HK$2,061/mo
Today · 4.125%
HK$79,854
baseline
▲ 0.50% · 4.625%
HK$84,063
+HK$4,209/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$159,708/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,450
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,922
−HK$2,511/mo
Today · 4.125%
HK$84,433
baseline
▲ 0.50% · 4.625%
HK$89,570
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,866/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,388
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,758
−HK$2,405/mo
Today · 4.125%
HK$93,163
baseline
▲ 0.50% · 4.625%
HK$98,074
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,326/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,151
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,328
−HK$3,228/mo
Today · 4.125%
HK$108,556
baseline
▲ 0.50% · 4.625%
HK$115,162
+HK$6,606/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,112/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,641
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,689
−HK$3,092/mo
Today · 4.125%
HK$119,781
baseline
▲ 0.50% · 4.625%
HK$126,095
+HK$6,314/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,562/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,727 · Scale 2, in force from 26 Feb 2026)