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$56,554
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,314
−HK$1,787/mo
Today · 4.125%
HK$60,101
baseline
▲ 0.50% · 4.625%
HK$63,758
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,202/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,054,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,916
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,604
−HK$1,711/mo
Today · 4.125%
HK$66,315
baseline
▲ 0.50% · 4.625%
HK$69,811
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,630/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,054,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,865
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,976
−HK$2,145/mo
Today · 4.125%
HK$72,121
baseline
▲ 0.50% · 4.625%
HK$76,509
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,242/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,054,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,499
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,524
−HK$2,054/mo
Today · 4.125%
HK$79,578
baseline
▲ 0.50% · 4.625%
HK$83,773
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,156/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,054,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,176
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,639
−HK$2,502/mo
Today · 4.125%
HK$84,141
baseline
▲ 0.50% · 4.625%
HK$89,261
+HK$5,120/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,282/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,054,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,083
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,445
−HK$2,397/mo
Today · 4.125%
HK$92,842
baseline
▲ 0.50% · 4.625%
HK$97,735
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,684/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,054,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,798
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,964
−HK$3,218/mo
Today · 4.125%
HK$108,182
baseline
▲ 0.50% · 4.625%
HK$114,764
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,364/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,249
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,286
−HK$3,082/mo
Today · 4.125%
HK$119,368
baseline
▲ 0.50% · 4.625%
HK$125,660
+HK$6,292/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,736/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,076 · Scale 2, in force from 26 Feb 2026)