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$56,503
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,260
−HK$1,786/mo
Today · 4.125%
HK$60,046
baseline
▲ 0.50% · 4.625%
HK$63,700
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,092/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,859
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,545
−HK$1,710/mo
Today · 4.125%
HK$66,255
baseline
▲ 0.50% · 4.625%
HK$69,747
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,510/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,112 · 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$1,053,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,430
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,453
−HK$2,053/mo
Today · 4.125%
HK$79,506
baseline
▲ 0.50% · 4.625%
HK$83,697
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,012/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,104
−HK$4,960/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$1,053,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,002
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,362
−HK$2,395/mo
Today · 4.125%
HK$92,757
baseline
▲ 0.50% · 4.625%
HK$97,646
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.35M · min. income ≈ HK$185,514/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,705
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,868
−HK$3,215/mo
Today · 4.125%
HK$108,083
baseline
▲ 0.50% · 4.625%
HK$114,659
+HK$6,576/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,166/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,146
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,180
−HK$3,079/mo
Today · 4.125%
HK$119,259
baseline
▲ 0.50% · 4.625%
HK$125,545
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,518/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,112 · Scale 2, in force from 26 Feb 2026)