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$56,696
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,459
−HK$1,792/mo
Today · 4.125%
HK$60,251
baseline
▲ 0.50% · 4.625%
HK$63,917
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,502/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,073
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,765
−HK$1,716/mo
Today · 4.125%
HK$66,481
baseline
▲ 0.50% · 4.625%
HK$69,985
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,962/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,035
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,151
−HK$2,150/mo
Today · 4.125%
HK$72,301
baseline
▲ 0.50% · 4.625%
HK$76,701
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,602/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,688
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,718
−HK$2,059/mo
Today · 4.125%
HK$79,777
baseline
▲ 0.50% · 4.625%
HK$83,983
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,554/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,374
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,843
−HK$2,509/mo
Today · 4.125%
HK$84,352
baseline
▲ 0.50% · 4.625%
HK$89,484
+HK$5,132/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,704/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,303
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,671
−HK$2,403/mo
Today · 4.125%
HK$93,074
baseline
▲ 0.50% · 4.625%
HK$97,980
+HK$4,906/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,148/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,052
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,227
−HK$3,225/mo
Today · 4.125%
HK$108,452
baseline
▲ 0.50% · 4.625%
HK$115,051
+HK$6,599/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,904/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,532
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,577
−HK$3,089/mo
Today · 4.125%
HK$119,666
baseline
▲ 0.50% · 4.625%
HK$125,974
+HK$6,308/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,332/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,711 · Scale 2, in force from 26 Feb 2026)