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$56,694
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,458
−HK$1,791/mo
Today · 4.125%
HK$60,249
baseline
▲ 0.50% · 4.625%
HK$63,915
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,498/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,072
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,763
−HK$1,716/mo
Today · 4.125%
HK$66,479
baseline
▲ 0.50% · 4.625%
HK$69,983
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,958/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,033
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,149
−HK$2,150/mo
Today · 4.125%
HK$72,299
baseline
▲ 0.50% · 4.625%
HK$76,698
+HK$4,399/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,598/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,686
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,716
−HK$2,059/mo
Today · 4.125%
HK$79,775
baseline
▲ 0.50% · 4.625%
HK$83,980
+HK$4,205/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,550/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,372
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,841
−HK$2,508/mo
Today · 4.125%
HK$84,349
baseline
▲ 0.50% · 4.625%
HK$89,482
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,698/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,300
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,669
−HK$2,402/mo
Today · 4.125%
HK$93,071
baseline
▲ 0.50% · 4.625%
HK$97,977
+HK$4,906/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,142/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,049
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,224
−HK$3,225/mo
Today · 4.125%
HK$108,449
baseline
▲ 0.50% · 4.625%
HK$115,048
+HK$6,599/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,898/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,529
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,574
−HK$3,089/mo
Today · 4.125%
HK$119,663
baseline
▲ 0.50% · 4.625%
HK$125,970
+HK$6,307/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,326/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,681 · Scale 2, in force from 26 Feb 2026)