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$56,618
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,379
−HK$1,789/mo
Today · 4.125%
HK$60,168
baseline
▲ 0.50% · 4.625%
HK$63,829
+HK$3,661/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,336/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,986
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,676
−HK$1,713/mo
Today · 4.125%
HK$66,389
baseline
▲ 0.50% · 4.625%
HK$69,889
+HK$3,500/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,778/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,941
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,054
−HK$2,148/mo
Today · 4.125%
HK$72,202
baseline
▲ 0.50% · 4.625%
HK$76,595
+HK$4,393/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,404/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,584
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,611
−HK$2,056/mo
Today · 4.125%
HK$79,667
baseline
▲ 0.50% · 4.625%
HK$83,867
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,334/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,265
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,730
−HK$2,505/mo
Today · 4.125%
HK$84,235
baseline
▲ 0.50% · 4.625%
HK$89,361
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,470/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,181
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,546
−HK$2,399/mo
Today · 4.125%
HK$92,945
baseline
▲ 0.50% · 4.625%
HK$97,844
+HK$4,899/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,890/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,912
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,082
−HK$3,220/mo
Today · 4.125%
HK$108,302
baseline
▲ 0.50% · 4.625%
HK$114,892
+HK$6,590/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,604/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,376
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,416
−HK$3,085/mo
Today · 4.125%
HK$119,501
baseline
▲ 0.50% · 4.625%
HK$125,800
+HK$6,299/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,002/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,252 · Scale 2, in force from 26 Feb 2026)