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$56,650
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,412
−HK$1,791/mo
Today · 4.125%
HK$60,203
baseline
▲ 0.50% · 4.625%
HK$63,866
+HK$3,663/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$1,055,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,023
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,713
−HK$1,715/mo
Today · 4.125%
HK$66,428
baseline
▲ 0.50% · 4.625%
HK$69,929
+HK$3,501/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$1,055,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,980
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,095
−HK$2,148/mo
Today · 4.125%
HK$72,243
baseline
▲ 0.50% · 4.625%
HK$76,639
+HK$4,396/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,486/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,627
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,655
−HK$2,058/mo
Today · 4.125%
HK$79,713
baseline
▲ 0.50% · 4.625%
HK$83,915
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,426/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,310
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,777
−HK$2,507/mo
Today · 4.125%
HK$84,284
baseline
▲ 0.50% · 4.625%
HK$89,412
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,568/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,232
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,598
−HK$2,401/mo
Today · 4.125%
HK$92,999
baseline
▲ 0.50% · 4.625%
HK$97,901
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,998/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,970
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,142
−HK$3,223/mo
Today · 4.125%
HK$108,365
baseline
▲ 0.50% · 4.625%
HK$114,958
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,730/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,441
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,483
−HK$3,087/mo
Today · 4.125%
HK$119,570
baseline
▲ 0.50% · 4.625%
HK$125,872
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,140/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,860 · Scale 2, in force from 26 Feb 2026)