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$56,744
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,510
−HK$1,793/mo
Today · 4.125%
HK$60,303
baseline
▲ 0.50% · 4.625%
HK$63,972
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,606/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,128
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,821
−HK$1,717/mo
Today · 4.125%
HK$66,538
baseline
▲ 0.50% · 4.625%
HK$70,046
+HK$3,508/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,076/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,093
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,211
−HK$2,152/mo
Today · 4.125%
HK$72,363
baseline
▲ 0.50% · 4.625%
HK$76,767
+HK$4,404/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,726/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,753
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,785
−HK$2,061/mo
Today · 4.125%
HK$79,846
baseline
▲ 0.50% · 4.625%
HK$84,055
+HK$4,209/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,692/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,442
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,913
−HK$2,511/mo
Today · 4.125%
HK$84,424
baseline
▲ 0.50% · 4.625%
HK$89,561
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,848/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,379
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,749
−HK$2,405/mo
Today · 4.125%
HK$93,154
baseline
▲ 0.50% · 4.625%
HK$98,064
+HK$4,910/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,308/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,140
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,317
−HK$3,228/mo
Today · 4.125%
HK$108,545
baseline
▲ 0.50% · 4.625%
HK$115,150
+HK$6,605/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,090/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,630
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,677
−HK$3,092/mo
Today · 4.125%
HK$119,769
baseline
▲ 0.50% · 4.625%
HK$126,082
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,538/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,618 · Scale 2, in force from 26 Feb 2026)