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$56,826
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,594
−HK$1,796/mo
Today · 4.125%
HK$60,390
baseline
▲ 0.50% · 4.625%
HK$64,065
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,780/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,219
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,914
−HK$1,720/mo
Today · 4.125%
HK$66,634
baseline
▲ 0.50% · 4.625%
HK$70,147
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,268/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,192
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,313
−HK$2,155/mo
Today · 4.125%
HK$72,468
baseline
▲ 0.50% · 4.625%
HK$76,878
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,936/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,863
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,897
−HK$2,064/mo
Today · 4.125%
HK$79,961
baseline
▲ 0.50% · 4.625%
HK$84,176
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,922/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,557
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,032
−HK$2,514/mo
Today · 4.125%
HK$84,546
baseline
▲ 0.50% · 4.625%
HK$89,690
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,092/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,506
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,880
−HK$2,408/mo
Today · 4.125%
HK$93,288
baseline
▲ 0.50% · 4.625%
HK$98,206
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,576/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,288
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,469
−HK$3,233/mo
Today · 4.125%
HK$108,702
baseline
▲ 0.50% · 4.625%
HK$115,316
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,404/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,794
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,846
−HK$3,096/mo
Today · 4.125%
HK$119,942
baseline
▲ 0.50% · 4.625%
HK$126,264
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,884/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,147 · Scale 2, in force from 26 Feb 2026)