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$56,624
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,385
−HK$1,790/mo
Today · 4.125%
HK$60,175
baseline
▲ 0.50% · 4.625%
HK$63,836
+HK$3,661/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,350/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,993
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,683
−HK$1,714/mo
Today · 4.125%
HK$66,397
baseline
▲ 0.50% · 4.625%
HK$69,897
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,794/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,949
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,062
−HK$2,148/mo
Today · 4.125%
HK$72,210
baseline
▲ 0.50% · 4.625%
HK$76,603
+HK$4,393/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,420/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,592
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,620
−HK$2,056/mo
Today · 4.125%
HK$79,676
baseline
▲ 0.50% · 4.625%
HK$83,876
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,352/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,273
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,739
−HK$2,506/mo
Today · 4.125%
HK$84,245
baseline
▲ 0.50% · 4.625%
HK$89,371
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,490/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,191
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,556
−HK$2,400/mo
Today · 4.125%
HK$92,956
baseline
▲ 0.50% · 4.625%
HK$97,855
+HK$4,899/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,912/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,923
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,093
−HK$3,221/mo
Today · 4.125%
HK$108,314
baseline
▲ 0.50% · 4.625%
HK$114,905
+HK$6,591/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,628/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,388
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,429
−HK$3,085/mo
Today · 4.125%
HK$119,514
baseline
▲ 0.50% · 4.625%
HK$125,814
+HK$6,300/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,028/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,371 · Scale 2, in force from 26 Feb 2026)