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$56,645
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,407
−HK$1,790/mo
Today · 4.125%
HK$60,197
baseline
▲ 0.50% · 4.625%
HK$63,860
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,394/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,017
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,707
−HK$1,714/mo
Today · 4.125%
HK$66,421
baseline
▲ 0.50% · 4.625%
HK$69,923
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,842/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,974
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,088
−HK$2,148/mo
Today · 4.125%
HK$72,236
baseline
▲ 0.50% · 4.625%
HK$76,632
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$144,472/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,620
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,648
−HK$2,058/mo
Today · 4.125%
HK$79,706
baseline
▲ 0.50% · 4.625%
HK$83,907
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$159,412/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,303
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,770
−HK$2,506/mo
Today · 4.125%
HK$84,276
baseline
▲ 0.50% · 4.625%
HK$89,404
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,552/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,224
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,590
−HK$2,400/mo
Today · 4.125%
HK$92,990
baseline
▲ 0.50% · 4.625%
HK$97,892
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,980/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,961
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,132
−HK$3,223/mo
Today · 4.125%
HK$108,355
baseline
▲ 0.50% · 4.625%
HK$114,948
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,710/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,430
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,473
−HK$3,086/mo
Today · 4.125%
HK$119,559
baseline
▲ 0.50% · 4.625%
HK$125,861
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,118/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,762 · Scale 2, in force from 26 Feb 2026)