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$56,713
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,477
−HK$1,793/mo
Today · 4.125%
HK$60,270
baseline
▲ 0.50% · 4.625%
HK$63,937
+HK$3,667/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,540/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,093
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,785
−HK$1,717/mo
Today · 4.125%
HK$66,502
baseline
▲ 0.50% · 4.625%
HK$70,007
+HK$3,505/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,004/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,057,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,056
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,173
−HK$2,151/mo
Today · 4.125%
HK$72,324
baseline
▲ 0.50% · 4.625%
HK$76,724
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,648/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,712
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,742
−HK$2,060/mo
Today · 4.125%
HK$79,802
baseline
▲ 0.50% · 4.625%
HK$84,008
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,604/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,399
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,868
−HK$2,510/mo
Today · 4.125%
HK$84,378
baseline
▲ 0.50% · 4.625%
HK$89,512
+HK$5,134/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,756/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,330
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,699
−HK$2,403/mo
Today · 4.125%
HK$93,102
baseline
▲ 0.50% · 4.625%
HK$98,010
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,204/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,084
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,259
−HK$3,226/mo
Today · 4.125%
HK$108,485
baseline
▲ 0.50% · 4.625%
HK$115,087
+HK$6,602/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,970/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,567
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,613
−HK$3,090/mo
Today · 4.125%
HK$119,703
baseline
▲ 0.50% · 4.625%
HK$126,013
+HK$6,310/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,406/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,057,037 · Scale 2, in force from 26 Feb 2026)