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$56,628
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,389
−HK$1,790/mo
Today · 4.125%
HK$60,179
baseline
▲ 0.50% · 4.625%
HK$63,840
+HK$3,661/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,358/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,998
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,687
−HK$1,714/mo
Today · 4.125%
HK$66,401
baseline
▲ 0.50% · 4.625%
HK$69,901
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,802/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,953
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,067
−HK$2,147/mo
Today · 4.125%
HK$72,214
baseline
▲ 0.50% · 4.625%
HK$76,608
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,428/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,597
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,625
−HK$2,056/mo
Today · 4.125%
HK$79,681
baseline
▲ 0.50% · 4.625%
HK$83,882
+HK$4,201/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,362/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,279
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,745
−HK$2,505/mo
Today · 4.125%
HK$84,250
baseline
▲ 0.50% · 4.625%
HK$89,377
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,500/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,197
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,562
−HK$2,400/mo
Today · 4.125%
HK$92,962
baseline
▲ 0.50% · 4.625%
HK$97,862
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,924/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,930
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,100
−HK$3,222/mo
Today · 4.125%
HK$108,322
baseline
▲ 0.50% · 4.625%
HK$114,913
+HK$6,591/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,644/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,396
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,437
−HK$3,085/mo
Today · 4.125%
HK$119,522
baseline
▲ 0.50% · 4.625%
HK$125,822
+HK$6,300/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,044/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,440 · Scale 2, in force from 26 Feb 2026)