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$56,722
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,487
−HK$1,792/mo
Today · 4.125%
HK$60,279
baseline
▲ 0.50% · 4.625%
HK$63,947
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,558/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,103
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,795
−HK$1,717/mo
Today · 4.125%
HK$66,512
baseline
▲ 0.50% · 4.625%
HK$70,018
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,024/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,067
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,184
−HK$2,151/mo
Today · 4.125%
HK$72,335
baseline
▲ 0.50% · 4.625%
HK$76,737
+HK$4,402/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,670/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,724
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,754
−HK$2,061/mo
Today · 4.125%
HK$79,815
baseline
▲ 0.50% · 4.625%
HK$84,022
+HK$4,207/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,630/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,411
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,881
−HK$2,510/mo
Today · 4.125%
HK$84,391
baseline
▲ 0.50% · 4.625%
HK$89,526
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,782/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,344
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,713
−HK$2,404/mo
Today · 4.125%
HK$93,117
baseline
▲ 0.50% · 4.625%
HK$98,025
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,234/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,100
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,276
−HK$3,227/mo
Today · 4.125%
HK$108,503
baseline
▲ 0.50% · 4.625%
HK$115,105
+HK$6,602/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,006/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,585
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,632
−HK$3,090/mo
Today · 4.125%
HK$119,722
baseline
▲ 0.50% · 4.625%
HK$126,033
+HK$6,311/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,444/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,204 · Scale 2, in force from 26 Feb 2026)