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$56,496
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,253
−HK$1,786/mo
Today · 4.125%
HK$60,039
baseline
▲ 0.50% · 4.625%
HK$63,692
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,078/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,851
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,537
−HK$1,710/mo
Today · 4.125%
HK$66,247
baseline
▲ 0.50% · 4.625%
HK$69,739
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,494/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,795
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,904
−HK$2,143/mo
Today · 4.125%
HK$72,047
baseline
▲ 0.50% · 4.625%
HK$76,431
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,094/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,422
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,444
−HK$2,052/mo
Today · 4.125%
HK$79,496
baseline
▲ 0.50% · 4.625%
HK$83,687
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$158,992/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,095
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,555
−HK$2,499/mo
Today · 4.125%
HK$84,054
baseline
▲ 0.50% · 4.625%
HK$89,169
+HK$5,115/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,108/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,992
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,352
−HK$2,394/mo
Today · 4.125%
HK$92,746
baseline
▲ 0.50% · 4.625%
HK$97,635
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,492/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,693
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,856
−HK$3,214/mo
Today · 4.125%
HK$108,070
baseline
▲ 0.50% · 4.625%
HK$114,646
+HK$6,576/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,140/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,132
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,167
−HK$3,078/mo
Today · 4.125%
HK$119,245
baseline
▲ 0.50% · 4.625%
HK$125,530
+HK$6,285/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,490/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,989 · Scale 2, in force from 26 Feb 2026)