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$56,646
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,408
−HK$1,790/mo
Today · 4.125%
HK$60,198
baseline
▲ 0.50% · 4.625%
HK$63,861
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,396/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,018
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,708
−HK$1,715/mo
Today · 4.125%
HK$66,423
baseline
▲ 0.50% · 4.625%
HK$69,924
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,846/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,975
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,090
−HK$2,148/mo
Today · 4.125%
HK$72,238
baseline
▲ 0.50% · 4.625%
HK$76,633
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,476/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,622
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,650
−HK$2,057/mo
Today · 4.125%
HK$79,707
baseline
▲ 0.50% · 4.625%
HK$83,909
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,414/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,304
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,771
−HK$2,506/mo
Today · 4.125%
HK$84,277
baseline
▲ 0.50% · 4.625%
HK$89,405
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,554/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,225
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,591
−HK$2,401/mo
Today · 4.125%
HK$92,992
baseline
▲ 0.50% · 4.625%
HK$97,893
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,984/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,963
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,134
−HK$3,223/mo
Today · 4.125%
HK$108,357
baseline
▲ 0.50% · 4.625%
HK$114,950
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,714/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,432
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,475
−HK$3,086/mo
Today · 4.125%
HK$119,561
baseline
▲ 0.50% · 4.625%
HK$125,863
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,122/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,782 · Scale 2, in force from 26 Feb 2026)