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$56,716
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,480
−HK$1,793/mo
Today · 4.125%
HK$60,273
baseline
▲ 0.50% · 4.625%
HK$63,940
+HK$3,667/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,546/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,096
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,788
−HK$1,717/mo
Today · 4.125%
HK$66,505
baseline
▲ 0.50% · 4.625%
HK$70,010
+HK$3,505/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,010/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,059
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,176
−HK$2,151/mo
Today · 4.125%
HK$72,327
baseline
▲ 0.50% · 4.625%
HK$76,728
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,654/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,715
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,746
−HK$2,060/mo
Today · 4.125%
HK$79,806
baseline
▲ 0.50% · 4.625%
HK$84,012
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,612/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,402
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,872
−HK$2,510/mo
Today · 4.125%
HK$84,382
baseline
▲ 0.50% · 4.625%
HK$89,516
+HK$5,134/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,764/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,334
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,703
−HK$2,404/mo
Today · 4.125%
HK$93,107
baseline
▲ 0.50% · 4.625%
HK$98,014
+HK$4,907/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,214/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,089
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,264
−HK$3,227/mo
Today · 4.125%
HK$108,491
baseline
▲ 0.50% · 4.625%
HK$115,092
+HK$6,601/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$216,982/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,573
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,619
−HK$3,090/mo
Today · 4.125%
HK$119,709
baseline
▲ 0.50% · 4.625%
HK$126,019
+HK$6,310/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,418/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,087 · Scale 2, in force from 26 Feb 2026)