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$56,642
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,404
−HK$1,790/mo
Today · 4.125%
HK$60,194
baseline
▲ 0.50% · 4.625%
HK$63,857
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,388/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,014
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,704
−HK$1,714/mo
Today · 4.125%
HK$66,418
baseline
▲ 0.50% · 4.625%
HK$69,919
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,836/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,970
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,085
−HK$2,148/mo
Today · 4.125%
HK$72,233
baseline
▲ 0.50% · 4.625%
HK$76,628
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$144,466/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,616
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,644
−HK$2,058/mo
Today · 4.125%
HK$79,702
baseline
▲ 0.50% · 4.625%
HK$83,903
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$159,404/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,299
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,765
−HK$2,507/mo
Today · 4.125%
HK$84,272
baseline
▲ 0.50% · 4.625%
HK$89,399
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,544/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,219
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,585
−HK$2,400/mo
Today · 4.125%
HK$92,985
baseline
▲ 0.50% · 4.625%
HK$97,887
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,970/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,956
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,127
−HK$3,222/mo
Today · 4.125%
HK$108,349
baseline
▲ 0.50% · 4.625%
HK$114,942
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,698/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,425
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,467
−HK$3,086/mo
Today · 4.125%
HK$119,553
baseline
▲ 0.50% · 4.625%
HK$125,854
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,106/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,708 · Scale 2, in force from 26 Feb 2026)