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$56,639
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,401
−HK$1,790/mo
Today · 4.125%
HK$60,191
baseline
▲ 0.50% · 4.625%
HK$63,853
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,382/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,010
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,700
−HK$1,714/mo
Today · 4.125%
HK$66,414
baseline
▲ 0.50% · 4.625%
HK$69,915
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,828/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,967
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,081
−HK$2,148/mo
Today · 4.125%
HK$72,229
baseline
▲ 0.50% · 4.625%
HK$76,624
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$144,458/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,612
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,640
−HK$2,057/mo
Today · 4.125%
HK$79,697
baseline
▲ 0.50% · 4.625%
HK$83,898
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$159,394/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,294
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,761
−HK$2,506/mo
Today · 4.125%
HK$84,267
baseline
▲ 0.50% · 4.625%
HK$89,394
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,534/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,214
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,580
−HK$2,400/mo
Today · 4.125%
HK$92,980
baseline
▲ 0.50% · 4.625%
HK$97,881
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,960/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,950
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,121
−HK$3,222/mo
Today · 4.125%
HK$108,343
baseline
▲ 0.50% · 4.625%
HK$114,935
+HK$6,592/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,686/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,418
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,460
−HK$3,086/mo
Today · 4.125%
HK$119,546
baseline
▲ 0.50% · 4.625%
HK$125,847
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,092/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,649 · Scale 2, in force from 26 Feb 2026)