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$56,634
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,396
−HK$1,790/mo
Today · 4.125%
HK$60,186
baseline
▲ 0.50% · 4.625%
HK$63,848
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,372/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,005
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,695
−HK$1,714/mo
Today · 4.125%
HK$66,409
baseline
▲ 0.50% · 4.625%
HK$69,909
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,818/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,961
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,075
−HK$2,148/mo
Today · 4.125%
HK$72,223
baseline
▲ 0.50% · 4.625%
HK$76,617
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,446/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,606
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,634
−HK$2,057/mo
Today · 4.125%
HK$79,691
baseline
▲ 0.50% · 4.625%
HK$83,891
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,382/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,288
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,754
−HK$2,506/mo
Today · 4.125%
HK$84,260
baseline
▲ 0.50% · 4.625%
HK$89,387
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,520/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,207
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,573
−HK$2,399/mo
Today · 4.125%
HK$92,972
baseline
▲ 0.50% · 4.625%
HK$97,873
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,944/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,942
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,112
−HK$3,222/mo
Today · 4.125%
HK$108,334
baseline
▲ 0.50% · 4.625%
HK$114,926
+HK$6,592/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,668/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,409
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,451
−HK$3,085/mo
Today · 4.125%
HK$119,536
baseline
▲ 0.50% · 4.625%
HK$125,837
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,072/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,563 · Scale 2, in force from 26 Feb 2026)