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$56,718
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,482
−HK$1,793/mo
Today · 4.125%
HK$60,275
baseline
▲ 0.50% · 4.625%
HK$63,942
+HK$3,667/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,550/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,098
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,791
−HK$1,716/mo
Today · 4.125%
HK$66,507
baseline
▲ 0.50% · 4.625%
HK$70,013
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,014/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,062
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,179
−HK$2,151/mo
Today · 4.125%
HK$72,330
baseline
▲ 0.50% · 4.625%
HK$76,731
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,660/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,718
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,749
−HK$2,060/mo
Today · 4.125%
HK$79,809
baseline
▲ 0.50% · 4.625%
HK$84,016
+HK$4,207/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,618/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,405
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,875
−HK$2,510/mo
Today · 4.125%
HK$84,385
baseline
▲ 0.50% · 4.625%
HK$89,519
+HK$5,134/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,770/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,338
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,707
−HK$2,403/mo
Today · 4.125%
HK$93,110
baseline
▲ 0.50% · 4.625%
HK$98,018
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,220/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,093
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,268
−HK$3,227/mo
Today · 4.125%
HK$108,495
baseline
▲ 0.50% · 4.625%
HK$115,096
+HK$6,601/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$216,990/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,577
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,623
−HK$3,090/mo
Today · 4.125%
HK$119,713
baseline
▲ 0.50% · 4.625%
HK$126,024
+HK$6,311/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,426/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,128 · Scale 2, in force from 26 Feb 2026)