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$56,728
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,493
−HK$1,793/mo
Today · 4.125%
HK$60,286
baseline
▲ 0.50% · 4.625%
HK$63,954
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,572/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,110
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,802
−HK$1,717/mo
Today · 4.125%
HK$66,519
baseline
▲ 0.50% · 4.625%
HK$70,026
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,038/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,074
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,191
−HK$2,152/mo
Today · 4.125%
HK$72,343
baseline
▲ 0.50% · 4.625%
HK$76,745
+HK$4,402/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,686/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,732
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,763
−HK$2,060/mo
Today · 4.125%
HK$79,823
baseline
▲ 0.50% · 4.625%
HK$84,031
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,646/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,420
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,890
−HK$2,510/mo
Today · 4.125%
HK$84,400
baseline
▲ 0.50% · 4.625%
HK$89,535
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,800/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,354
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,723
−HK$2,404/mo
Today · 4.125%
HK$93,127
baseline
▲ 0.50% · 4.625%
HK$98,036
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,254/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,111
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,287
−HK$3,227/mo
Today · 4.125%
HK$108,514
baseline
▲ 0.50% · 4.625%
HK$115,117
+HK$6,603/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,028/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,597
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,644
−HK$3,091/mo
Today · 4.125%
HK$119,735
baseline
▲ 0.50% · 4.625%
HK$126,046
+HK$6,311/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,470/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,317 · Scale 2, in force from 26 Feb 2026)