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$56,651
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,413
−HK$1,790/mo
Today · 4.125%
HK$60,203
baseline
▲ 0.50% · 4.625%
HK$63,866
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,406/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,023
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,713
−HK$1,715/mo
Today · 4.125%
HK$66,428
baseline
▲ 0.50% · 4.625%
HK$69,930
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,856/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,981
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,095
−HK$2,149/mo
Today · 4.125%
HK$72,244
baseline
▲ 0.50% · 4.625%
HK$76,640
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,488/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,628
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,656
−HK$2,058/mo
Today · 4.125%
HK$79,714
baseline
▲ 0.50% · 4.625%
HK$83,916
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,428/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,311
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,778
−HK$2,506/mo
Today · 4.125%
HK$84,284
baseline
▲ 0.50% · 4.625%
HK$89,413
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,568/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,233
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,599
−HK$2,400/mo
Today · 4.125%
HK$92,999
baseline
▲ 0.50% · 4.625%
HK$97,902
+HK$4,903/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,998/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,971
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,143
−HK$3,223/mo
Today · 4.125%
HK$108,366
baseline
▲ 0.50% · 4.625%
HK$114,959
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,732/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,442
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,484
−HK$3,087/mo
Today · 4.125%
HK$119,571
baseline
▲ 0.50% · 4.625%
HK$125,873
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,142/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,869 · Scale 2, in force from 26 Feb 2026)