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$56,752
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,518
−HK$1,793/mo
Today · 4.125%
HK$60,311
baseline
▲ 0.50% · 4.625%
HK$63,981
+HK$3,670/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,622/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,136
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,830
−HK$1,717/mo
Today · 4.125%
HK$66,547
baseline
▲ 0.50% · 4.625%
HK$70,055
+HK$3,508/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,094/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,103
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,221
−HK$2,152/mo
Today · 4.125%
HK$72,373
baseline
▲ 0.50% · 4.625%
HK$76,777
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$144,746/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,764
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,796
−HK$2,061/mo
Today · 4.125%
HK$79,857
baseline
▲ 0.50% · 4.625%
HK$84,066
+HK$4,209/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$159,714/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,453
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,925
−HK$2,511/mo
Today · 4.125%
HK$84,436
baseline
▲ 0.50% · 4.625%
HK$89,573
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,872/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,391
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,761
−HK$2,405/mo
Today · 4.125%
HK$93,166
baseline
▲ 0.50% · 4.625%
HK$98,077
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,332/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,154
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,332
−HK$3,228/mo
Today · 4.125%
HK$108,560
baseline
▲ 0.50% · 4.625%
HK$115,166
+HK$6,606/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,120/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,645
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,693
−HK$3,092/mo
Today · 4.125%
HK$119,785
baseline
▲ 0.50% · 4.625%
HK$126,099
+HK$6,314/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,570/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,764 · Scale 2, in force from 26 Feb 2026)