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$56,529
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,287
−HK$1,786/mo
Today · 4.125%
HK$60,073
baseline
▲ 0.50% · 4.625%
HK$63,729
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,146/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,888
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,574
−HK$1,711/mo
Today · 4.125%
HK$66,285
baseline
▲ 0.50% · 4.625%
HK$69,779
+HK$3,494/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,570/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,834
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,944
−HK$2,144/mo
Today · 4.125%
HK$72,088
baseline
▲ 0.50% · 4.625%
HK$76,475
+HK$4,387/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$144,176/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,465
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,489
−HK$2,053/mo
Today · 4.125%
HK$79,542
baseline
▲ 0.50% · 4.625%
HK$83,735
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$159,084/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,140
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,602
−HK$2,501/mo
Today · 4.125%
HK$84,103
baseline
▲ 0.50% · 4.625%
HK$89,220
+HK$5,117/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,206/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,043
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,404
−HK$2,395/mo
Today · 4.125%
HK$92,799
baseline
▲ 0.50% · 4.625%
HK$97,691
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,598/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,752
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,917
−HK$3,215/mo
Today · 4.125%
HK$108,132
baseline
▲ 0.50% · 4.625%
HK$114,712
+HK$6,580/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,264/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,198
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,233
−HK$3,080/mo
Today · 4.125%
HK$119,313
baseline
▲ 0.50% · 4.625%
HK$125,602
+HK$6,289/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,626/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,596 · Scale 2, in force from 26 Feb 2026)