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$56,609
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,370
−HK$1,789/mo
Today · 4.125%
HK$60,159
baseline
▲ 0.50% · 4.625%
HK$63,820
+HK$3,661/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,318/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,977
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,666
−HK$1,714/mo
Today · 4.125%
HK$66,380
baseline
▲ 0.50% · 4.625%
HK$69,879
+HK$3,499/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,760/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,931
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,044
−HK$2,147/mo
Today · 4.125%
HK$72,191
baseline
▲ 0.50% · 4.625%
HK$76,584
+HK$4,393/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,382/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,573
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,600
−HK$2,056/mo
Today · 4.125%
HK$79,656
baseline
▲ 0.50% · 4.625%
HK$83,855
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,312/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,253
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,718
−HK$2,505/mo
Today · 4.125%
HK$84,223
baseline
▲ 0.50% · 4.625%
HK$89,348
+HK$5,125/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,446/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,168
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,533
−HK$2,399/mo
Today · 4.125%
HK$92,932
baseline
▲ 0.50% · 4.625%
HK$97,830
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,864/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,897
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,066
−HK$3,221/mo
Today · 4.125%
HK$108,287
baseline
▲ 0.50% · 4.625%
HK$114,876
+HK$6,589/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,574/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,359
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,399
−HK$3,085/mo
Today · 4.125%
HK$119,484
baseline
▲ 0.50% · 4.625%
HK$125,782
+HK$6,298/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,968/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,100 · Scale 2, in force from 26 Feb 2026)