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$56,643
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,405
−HK$1,791/mo
Today · 4.125%
HK$60,196
baseline
▲ 0.50% · 4.625%
HK$63,858
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,392/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,015
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,705
−HK$1,715/mo
Today · 4.125%
HK$66,420
baseline
▲ 0.50% · 4.625%
HK$69,921
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,840/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,972
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,086
−HK$2,149/mo
Today · 4.125%
HK$72,235
baseline
▲ 0.50% · 4.625%
HK$76,630
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$144,470/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,618
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,646
−HK$2,058/mo
Today · 4.125%
HK$79,704
baseline
▲ 0.50% · 4.625%
HK$83,905
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$159,408/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,301
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,768
−HK$2,506/mo
Today · 4.125%
HK$84,274
baseline
▲ 0.50% · 4.625%
HK$89,402
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,548/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,221
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,587
−HK$2,401/mo
Today · 4.125%
HK$92,988
baseline
▲ 0.50% · 4.625%
HK$97,889
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,976/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,958
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,130
−HK$3,222/mo
Today · 4.125%
HK$108,352
baseline
▲ 0.50% · 4.625%
HK$114,945
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,704/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,428
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,470
−HK$3,086/mo
Today · 4.125%
HK$119,556
baseline
▲ 0.50% · 4.625%
HK$125,858
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,112/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,736 · Scale 2, in force from 26 Feb 2026)