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$56,607
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,368
−HK$1,789/mo
Today · 4.125%
HK$60,157
baseline
▲ 0.50% · 4.625%
HK$63,817
+HK$3,660/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,314/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,975
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,663
−HK$1,714/mo
Today · 4.125%
HK$66,377
baseline
▲ 0.50% · 4.625%
HK$69,876
+HK$3,499/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,754/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,928
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,041
−HK$2,147/mo
Today · 4.125%
HK$72,188
baseline
▲ 0.50% · 4.625%
HK$76,580
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,376/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,055,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,569
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,596
−HK$2,056/mo
Today · 4.125%
HK$79,652
baseline
▲ 0.50% · 4.625%
HK$83,851
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,304/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,055,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,250
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,715
−HK$2,504/mo
Today · 4.125%
HK$84,219
baseline
▲ 0.50% · 4.625%
HK$89,344
+HK$5,125/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,438/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,164
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,529
−HK$2,399/mo
Today · 4.125%
HK$92,928
baseline
▲ 0.50% · 4.625%
HK$97,826
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,856/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,892
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,062
−HK$3,220/mo
Today · 4.125%
HK$108,282
baseline
▲ 0.50% · 4.625%
HK$114,870
+HK$6,588/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,564/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,354
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,394
−HK$3,084/mo
Today · 4.125%
HK$119,478
baseline
▲ 0.50% · 4.625%
HK$125,776
+HK$6,298/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,956/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,053 · Scale 2, in force from 26 Feb 2026)