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$56,663
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,425
−HK$1,791/mo
Today · 4.125%
HK$60,216
baseline
▲ 0.50% · 4.625%
HK$63,880
+HK$3,664/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,432/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,037
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,728
−HK$1,715/mo
Today · 4.125%
HK$66,443
baseline
▲ 0.50% · 4.625%
HK$69,945
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,886/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,996
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,111
−HK$2,148/mo
Today · 4.125%
HK$72,259
baseline
▲ 0.50% · 4.625%
HK$76,656
+HK$4,397/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,518/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,644
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,673
−HK$2,058/mo
Today · 4.125%
HK$79,731
baseline
▲ 0.50% · 4.625%
HK$83,934
+HK$4,203/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,462/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,328
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,796
−HK$2,507/mo
Today · 4.125%
HK$84,303
baseline
▲ 0.50% · 4.625%
HK$89,432
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,606/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,252
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,619
−HK$2,401/mo
Today · 4.125%
HK$93,020
baseline
▲ 0.50% · 4.625%
HK$97,923
+HK$4,903/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,040/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,993
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,166
−HK$3,223/mo
Today · 4.125%
HK$108,389
baseline
▲ 0.50% · 4.625%
HK$114,984
+HK$6,595/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,778/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,467
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,510
−HK$3,087/mo
Today · 4.125%
HK$119,597
baseline
▲ 0.50% · 4.625%
HK$125,901
+HK$6,304/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,194/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,099 · Scale 2, in force from 26 Feb 2026)