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$56,633
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,394
−HK$1,790/mo
Today · 4.125%
HK$60,184
baseline
▲ 0.50% · 4.625%
HK$63,846
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,368/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,003
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,693
−HK$1,714/mo
Today · 4.125%
HK$66,407
baseline
▲ 0.50% · 4.625%
HK$69,908
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,814/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,959
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,073
−HK$2,148/mo
Today · 4.125%
HK$72,221
baseline
▲ 0.50% · 4.625%
HK$76,615
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,442/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,604
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,632
−HK$2,057/mo
Today · 4.125%
HK$79,689
baseline
▲ 0.50% · 4.625%
HK$83,889
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,378/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,286
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,752
−HK$2,506/mo
Today · 4.125%
HK$84,258
baseline
▲ 0.50% · 4.625%
HK$89,384
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,516/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,205
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,570
−HK$2,400/mo
Today · 4.125%
HK$92,970
baseline
▲ 0.50% · 4.625%
HK$97,871
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,940/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,939
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,110
−HK$3,221/mo
Today · 4.125%
HK$108,331
baseline
▲ 0.50% · 4.625%
HK$114,923
+HK$6,592/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,662/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,406
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,447
−HK$3,086/mo
Today · 4.125%
HK$119,533
baseline
▲ 0.50% · 4.625%
HK$125,834
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,066/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,534 · Scale 2, in force from 26 Feb 2026)