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$56,664
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,427
−HK$1,790/mo
Today · 4.125%
HK$60,217
baseline
▲ 0.50% · 4.625%
HK$63,881
+HK$3,664/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,434/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,038
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,729
−HK$1,715/mo
Today · 4.125%
HK$66,444
baseline
▲ 0.50% · 4.625%
HK$69,946
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,888/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,997
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,112
−HK$2,149/mo
Today · 4.125%
HK$72,261
baseline
▲ 0.50% · 4.625%
HK$76,658
+HK$4,397/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,522/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,646
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,675
−HK$2,058/mo
Today · 4.125%
HK$79,733
baseline
▲ 0.50% · 4.625%
HK$83,936
+HK$4,203/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,466/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,330
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,797
−HK$2,507/mo
Today · 4.125%
HK$84,304
baseline
▲ 0.50% · 4.625%
HK$89,434
+HK$5,130/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,608/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,253
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,620
−HK$2,402/mo
Today · 4.125%
HK$93,022
baseline
▲ 0.50% · 4.625%
HK$97,925
+HK$4,903/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,044/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,995
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,168
−HK$3,223/mo
Today · 4.125%
HK$108,391
baseline
▲ 0.50% · 4.625%
HK$114,987
+HK$6,596/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,782/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,469
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,512
−HK$3,087/mo
Today · 4.125%
HK$119,599
baseline
▲ 0.50% · 4.625%
HK$125,903
+HK$6,304/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,198/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,119 · Scale 2, in force from 26 Feb 2026)