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$56,634
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,395
−HK$1,790/mo
Today · 4.125%
HK$60,185
baseline
▲ 0.50% · 4.625%
HK$63,847
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,370/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,004
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,694
−HK$1,714/mo
Today · 4.125%
HK$66,408
baseline
▲ 0.50% · 4.625%
HK$69,909
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,816/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,961
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,074
−HK$2,148/mo
Today · 4.125%
HK$72,222
baseline
▲ 0.50% · 4.625%
HK$76,617
+HK$4,395/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,444/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,605
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,633
−HK$2,057/mo
Today · 4.125%
HK$79,690
baseline
▲ 0.50% · 4.625%
HK$83,891
+HK$4,201/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,380/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,287
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,754
−HK$2,505/mo
Today · 4.125%
HK$84,259
baseline
▲ 0.50% · 4.625%
HK$89,386
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,518/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,206
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,572
−HK$2,400/mo
Today · 4.125%
HK$92,972
baseline
▲ 0.50% · 4.625%
HK$97,872
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,944/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,941
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,112
−HK$3,221/mo
Today · 4.125%
HK$108,333
baseline
▲ 0.50% · 4.625%
HK$114,925
+HK$6,592/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,666/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,408
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,450
−HK$3,085/mo
Today · 4.125%
HK$119,535
baseline
▲ 0.50% · 4.625%
HK$125,836
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,070/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,555 · Scale 2, in force from 26 Feb 2026)