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$56,651
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,413
−HK$1,790/mo
Today · 4.125%
HK$60,203
baseline
▲ 0.50% · 4.625%
HK$63,867
+HK$3,664/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,406/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,024
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,714
−HK$1,714/mo
Today · 4.125%
HK$66,428
baseline
▲ 0.50% · 4.625%
HK$69,930
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,856/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,981
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,096
−HK$2,148/mo
Today · 4.125%
HK$72,244
baseline
▲ 0.50% · 4.625%
HK$76,640
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,488/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,628
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,657
−HK$2,057/mo
Today · 4.125%
HK$79,714
baseline
▲ 0.50% · 4.625%
HK$83,916
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,428/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,311
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,778
−HK$2,507/mo
Today · 4.125%
HK$84,285
baseline
▲ 0.50% · 4.625%
HK$89,413
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,570/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,233
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,599
−HK$2,401/mo
Today · 4.125%
HK$93,000
baseline
▲ 0.50% · 4.625%
HK$97,902
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$186,000/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,972
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,143
−HK$3,223/mo
Today · 4.125%
HK$108,366
baseline
▲ 0.50% · 4.625%
HK$114,960
+HK$6,594/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,732/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,442
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,485
−HK$3,086/mo
Today · 4.125%
HK$119,571
baseline
▲ 0.50% · 4.625%
HK$125,874
+HK$6,303/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,142/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,874 · Scale 2, in force from 26 Feb 2026)