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$56,502
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,260
−HK$1,785/mo
Today · 4.125%
HK$60,045
baseline
▲ 0.50% · 4.625%
HK$63,699
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,090/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,858
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,544
−HK$1,710/mo
Today · 4.125%
HK$66,254
baseline
▲ 0.50% · 4.625%
HK$69,747
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,508/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,803
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,912
−HK$2,143/mo
Today · 4.125%
HK$72,055
baseline
▲ 0.50% · 4.625%
HK$76,439
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,110/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,430
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,453
−HK$2,052/mo
Today · 4.125%
HK$79,505
baseline
▲ 0.50% · 4.625%
HK$83,696
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,010/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,103
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,564
−HK$2,500/mo
Today · 4.125%
HK$84,064
baseline
▲ 0.50% · 4.625%
HK$89,179
+HK$5,115/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$168,128/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,001
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,362
−HK$2,394/mo
Today · 4.125%
HK$92,756
baseline
▲ 0.50% · 4.625%
HK$97,645
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$185,512/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,704
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,868
−HK$3,214/mo
Today · 4.125%
HK$108,082
baseline
▲ 0.50% · 4.625%
HK$114,658
+HK$6,576/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,164/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,145
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,179
−HK$3,079/mo
Today · 4.125%
HK$119,258
baseline
▲ 0.50% · 4.625%
HK$125,544
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,516/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,104 · Scale 2, in force from 26 Feb 2026)