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$56,680
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,443
−HK$1,791/mo
Today · 4.125%
HK$60,234
baseline
▲ 0.50% · 4.625%
HK$63,899
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,468/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,055
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,747
−HK$1,715/mo
Today · 4.125%
HK$66,462
baseline
▲ 0.50% · 4.625%
HK$69,965
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,924/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,016
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,131
−HK$2,150/mo
Today · 4.125%
HK$72,281
baseline
▲ 0.50% · 4.625%
HK$76,679
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,562/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,667
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,696
−HK$2,059/mo
Today · 4.125%
HK$79,755
baseline
▲ 0.50% · 4.625%
HK$83,959
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,510/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,351
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,820
−HK$2,507/mo
Today · 4.125%
HK$84,327
baseline
▲ 0.50% · 4.625%
HK$89,459
+HK$5,132/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,654/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,278
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,645
−HK$2,402/mo
Today · 4.125%
HK$93,047
baseline
▲ 0.50% · 4.625%
HK$97,952
+HK$4,905/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,094/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,023
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,197
−HK$3,224/mo
Today · 4.125%
HK$108,421
baseline
▲ 0.50% · 4.625%
HK$115,018
+HK$6,597/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,842/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,500
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,544
−HK$3,088/mo
Today · 4.125%
HK$119,632
baseline
▲ 0.50% · 4.625%
HK$125,938
+HK$6,306/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,264/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,409 · Scale 2, in force from 26 Feb 2026)