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$56,738
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,503
−HK$1,793/mo
Today · 4.125%
HK$60,296
baseline
▲ 0.50% · 4.625%
HK$63,965
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,592/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,121
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,814
−HK$1,717/mo
Today · 4.125%
HK$66,531
baseline
▲ 0.50% · 4.625%
HK$70,038
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,062/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,086
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,204
−HK$2,152/mo
Today · 4.125%
HK$72,356
baseline
▲ 0.50% · 4.625%
HK$76,758
+HK$4,402/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,712/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,745
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,776
−HK$2,061/mo
Today · 4.125%
HK$79,837
baseline
▲ 0.50% · 4.625%
HK$84,046
+HK$4,209/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,674/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,434
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,904
−HK$2,511/mo
Today · 4.125%
HK$84,415
baseline
▲ 0.50% · 4.625%
HK$89,551
+HK$5,136/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,830/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,369
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,739
−HK$2,404/mo
Today · 4.125%
HK$93,143
baseline
▲ 0.50% · 4.625%
HK$98,053
+HK$4,910/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,286/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,129
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,306
−HK$3,227/mo
Today · 4.125%
HK$108,533
baseline
▲ 0.50% · 4.625%
HK$115,137
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,066/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,617
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,665
−HK$3,091/mo
Today · 4.125%
HK$119,756
baseline
▲ 0.50% · 4.625%
HK$126,068
+HK$6,312/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,512/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,503 · Scale 2, in force from 26 Feb 2026)