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$56,735
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,500
−HK$1,793/mo
Today · 4.125%
HK$60,293
baseline
▲ 0.50% · 4.625%
HK$63,962
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,586/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,117
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,810
−HK$1,717/mo
Today · 4.125%
HK$66,527
baseline
▲ 0.50% · 4.625%
HK$70,034
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,054/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,082
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,200
−HK$2,151/mo
Today · 4.125%
HK$72,351
baseline
▲ 0.50% · 4.625%
HK$76,754
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,702/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,741
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,772
−HK$2,061/mo
Today · 4.125%
HK$79,833
baseline
▲ 0.50% · 4.625%
HK$84,041
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,666/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,429
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,900
−HK$2,510/mo
Today · 4.125%
HK$84,410
baseline
▲ 0.50% · 4.625%
HK$89,546
+HK$5,136/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,820/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,364
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,734
−HK$2,404/mo
Today · 4.125%
HK$93,138
baseline
▲ 0.50% · 4.625%
HK$98,048
+HK$4,910/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,276/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,123
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,300
−HK$3,227/mo
Today · 4.125%
HK$108,527
baseline
▲ 0.50% · 4.625%
HK$115,131
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,054/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,611
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,658
−HK$3,091/mo
Today · 4.125%
HK$119,749
baseline
▲ 0.50% · 4.625%
HK$126,061
+HK$6,312/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,498/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,444 · Scale 2, in force from 26 Feb 2026)