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$56,649
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,411
−HK$1,790/mo
Today · 4.125%
HK$60,201
baseline
▲ 0.50% · 4.625%
HK$63,865
+HK$3,664/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,402/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,021
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,712
−HK$1,714/mo
Today · 4.125%
HK$66,426
baseline
▲ 0.50% · 4.625%
HK$69,928
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,852/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,979
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,093
−HK$2,149/mo
Today · 4.125%
HK$72,242
baseline
▲ 0.50% · 4.625%
HK$76,637
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,484/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,626
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,654
−HK$2,058/mo
Today · 4.125%
HK$79,712
baseline
▲ 0.50% · 4.625%
HK$83,913
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,424/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,309
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,776
−HK$2,506/mo
Today · 4.125%
HK$84,282
baseline
▲ 0.50% · 4.625%
HK$89,410
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,564/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,230
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,596
−HK$2,401/mo
Today · 4.125%
HK$92,997
baseline
▲ 0.50% · 4.625%
HK$97,899
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,994/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,968
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,140
−HK$3,223/mo
Today · 4.125%
HK$108,363
baseline
▲ 0.50% · 4.625%
HK$114,956
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,726/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,439
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,481
−HK$3,086/mo
Today · 4.125%
HK$119,567
baseline
▲ 0.50% · 4.625%
HK$125,870
+HK$6,303/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,134/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,840 · Scale 2, in force from 26 Feb 2026)