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$56,677
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,440
−HK$1,791/mo
Today · 4.125%
HK$60,231
baseline
▲ 0.50% · 4.625%
HK$63,896
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,462/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,053
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,744
−HK$1,715/mo
Today · 4.125%
HK$66,459
baseline
▲ 0.50% · 4.625%
HK$69,962
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,918/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,012
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,128
−HK$2,149/mo
Today · 4.125%
HK$72,277
baseline
▲ 0.50% · 4.625%
HK$76,675
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,554/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,663
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,692
−HK$2,059/mo
Today · 4.125%
HK$79,751
baseline
▲ 0.50% · 4.625%
HK$83,955
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,502/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,348
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,816
−HK$2,508/mo
Today · 4.125%
HK$84,324
baseline
▲ 0.50% · 4.625%
HK$89,455
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,648/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,274
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,641
−HK$2,402/mo
Today · 4.125%
HK$93,043
baseline
▲ 0.50% · 4.625%
HK$97,947
+HK$4,904/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,086/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,019
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,192
−HK$3,224/mo
Today · 4.125%
HK$108,416
baseline
▲ 0.50% · 4.625%
HK$115,013
+HK$6,597/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,832/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,495
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,539
−HK$3,088/mo
Today · 4.125%
HK$119,627
baseline
▲ 0.50% · 4.625%
HK$125,932
+HK$6,305/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,254/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,361 · Scale 2, in force from 26 Feb 2026)