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$56,741
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,506
−HK$1,793/mo
Today · 4.125%
HK$60,299
baseline
▲ 0.50% · 4.625%
HK$63,968
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,598/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,124
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,817
−HK$1,717/mo
Today · 4.125%
HK$66,534
baseline
▲ 0.50% · 4.625%
HK$70,042
+HK$3,508/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,068/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,089
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,207
−HK$2,152/mo
Today · 4.125%
HK$72,359
baseline
▲ 0.50% · 4.625%
HK$76,762
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,718/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,749
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,780
−HK$2,061/mo
Today · 4.125%
HK$79,841
baseline
▲ 0.50% · 4.625%
HK$84,050
+HK$4,209/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,682/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,438
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,909
−HK$2,510/mo
Today · 4.125%
HK$84,419
baseline
▲ 0.50% · 4.625%
HK$89,556
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,838/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,374
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,744
−HK$2,404/mo
Today · 4.125%
HK$93,148
baseline
▲ 0.50% · 4.625%
HK$98,058
+HK$4,910/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,296/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,134
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,311
−HK$3,228/mo
Today · 4.125%
HK$108,539
baseline
▲ 0.50% · 4.625%
HK$115,143
+HK$6,604/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,078/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,623
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,671
−HK$3,091/mo
Today · 4.125%
HK$119,762
baseline
▲ 0.50% · 4.625%
HK$126,075
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,524/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,558 · Scale 2, in force from 26 Feb 2026)