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$56,625
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,386
−HK$1,789/mo
Today · 4.125%
HK$60,175
baseline
▲ 0.50% · 4.625%
HK$63,837
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,350/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,994
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,684
−HK$1,714/mo
Today · 4.125%
HK$66,398
baseline
▲ 0.50% · 4.625%
HK$69,898
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,796/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,949
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,063
−HK$2,148/mo
Today · 4.125%
HK$72,211
baseline
▲ 0.50% · 4.625%
HK$76,604
+HK$4,393/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,422/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,593
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,620
−HK$2,057/mo
Today · 4.125%
HK$79,677
baseline
▲ 0.50% · 4.625%
HK$83,877
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,354/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,274
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,740
−HK$2,506/mo
Today · 4.125%
HK$84,246
baseline
▲ 0.50% · 4.625%
HK$89,372
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,492/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,192
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,557
−HK$2,400/mo
Today · 4.125%
HK$92,957
baseline
▲ 0.50% · 4.625%
HK$97,857
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,914/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,924
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,095
−HK$3,221/mo
Today · 4.125%
HK$108,316
baseline
▲ 0.50% · 4.625%
HK$114,907
+HK$6,591/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,632/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,390
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,431
−HK$3,085/mo
Today · 4.125%
HK$119,516
baseline
▲ 0.50% · 4.625%
HK$125,816
+HK$6,300/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,032/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,384 · Scale 2, in force from 26 Feb 2026)