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$56,684
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,447
−HK$1,791/mo
Today · 4.125%
HK$60,238
baseline
▲ 0.50% · 4.625%
HK$63,904
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,476/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,060
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,751
−HK$1,716/mo
Today · 4.125%
HK$66,467
baseline
▲ 0.50% · 4.625%
HK$69,971
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,934/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,021
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,136
−HK$2,150/mo
Today · 4.125%
HK$72,286
baseline
▲ 0.50% · 4.625%
HK$76,684
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$144,572/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,672
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,702
−HK$2,058/mo
Today · 4.125%
HK$79,760
baseline
▲ 0.50% · 4.625%
HK$83,965
+HK$4,205/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$159,520/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,357
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,826
−HK$2,508/mo
Today · 4.125%
HK$84,334
baseline
▲ 0.50% · 4.625%
HK$89,465
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,668/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,284
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,652
−HK$2,402/mo
Today · 4.125%
HK$93,054
baseline
▲ 0.50% · 4.625%
HK$97,959
+HK$4,905/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,108/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,031
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,205
−HK$3,224/mo
Today · 4.125%
HK$108,429
baseline
▲ 0.50% · 4.625%
HK$115,027
+HK$6,598/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,858/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,508
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,552
−HK$3,089/mo
Today · 4.125%
HK$119,641
baseline
▲ 0.50% · 4.625%
HK$125,947
+HK$6,306/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,282/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,487 · Scale 2, in force from 26 Feb 2026)