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$56,622
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,383
−HK$1,790/mo
Today · 4.125%
HK$60,173
baseline
▲ 0.50% · 4.625%
HK$63,834
+HK$3,661/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,346/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,991
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,681
−HK$1,714/mo
Today · 4.125%
HK$66,395
baseline
▲ 0.50% · 4.625%
HK$69,894
+HK$3,499/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,790/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,946
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,060
−HK$2,147/mo
Today · 4.125%
HK$72,207
baseline
▲ 0.50% · 4.625%
HK$76,601
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,414/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,590
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,617
−HK$2,056/mo
Today · 4.125%
HK$79,673
baseline
▲ 0.50% · 4.625%
HK$83,873
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,346/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,271
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,736
−HK$2,506/mo
Today · 4.125%
HK$84,242
baseline
▲ 0.50% · 4.625%
HK$89,368
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,484/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,188
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,553
−HK$2,399/mo
Today · 4.125%
HK$92,952
baseline
▲ 0.50% · 4.625%
HK$97,852
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,904/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,919
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,090
−HK$3,221/mo
Today · 4.125%
HK$108,311
baseline
▲ 0.50% · 4.625%
HK$114,901
+HK$6,590/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,622/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,384
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,425
−HK$3,085/mo
Today · 4.125%
HK$119,510
baseline
▲ 0.50% · 4.625%
HK$125,810
+HK$6,300/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,020/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,334 · Scale 2, in force from 26 Feb 2026)