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$56,641
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,403
−HK$1,790/mo
Today · 4.125%
HK$60,193
baseline
▲ 0.50% · 4.625%
HK$63,856
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,386/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,013
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,703
−HK$1,714/mo
Today · 4.125%
HK$66,417
baseline
▲ 0.50% · 4.625%
HK$69,918
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,834/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,969
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,083
−HK$2,149/mo
Today · 4.125%
HK$72,232
baseline
▲ 0.50% · 4.625%
HK$76,627
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$144,464/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,615
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,643
−HK$2,057/mo
Today · 4.125%
HK$79,700
baseline
▲ 0.50% · 4.625%
HK$83,901
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$159,400/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,297
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,764
−HK$2,506/mo
Today · 4.125%
HK$84,270
baseline
▲ 0.50% · 4.625%
HK$89,398
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,540/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,218
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,584
−HK$2,400/mo
Today · 4.125%
HK$92,984
baseline
▲ 0.50% · 4.625%
HK$97,885
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,968/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,954
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,125
−HK$3,222/mo
Today · 4.125%
HK$108,347
baseline
▲ 0.50% · 4.625%
HK$114,940
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,694/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,423
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,465
−HK$3,086/mo
Today · 4.125%
HK$119,551
baseline
▲ 0.50% · 4.625%
HK$125,852
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,102/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,691 · Scale 2, in force from 26 Feb 2026)