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$56,631
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,392
−HK$1,790/mo
Today · 4.125%
HK$60,182
baseline
▲ 0.50% · 4.625%
HK$63,844
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,364/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,001
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,691
−HK$1,714/mo
Today · 4.125%
HK$66,405
baseline
▲ 0.50% · 4.625%
HK$69,905
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,810/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,957
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,071
−HK$2,147/mo
Today · 4.125%
HK$72,218
baseline
▲ 0.50% · 4.625%
HK$76,613
+HK$4,395/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,436/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,601
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,629
−HK$2,057/mo
Today · 4.125%
HK$79,686
baseline
▲ 0.50% · 4.625%
HK$83,886
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,372/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,283
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,749
−HK$2,506/mo
Today · 4.125%
HK$84,255
baseline
▲ 0.50% · 4.625%
HK$89,381
+HK$5,126/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,510/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,202
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,567
−HK$2,400/mo
Today · 4.125%
HK$92,967
baseline
▲ 0.50% · 4.625%
HK$97,867
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,934/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,935
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,106
−HK$3,222/mo
Today · 4.125%
HK$108,328
baseline
▲ 0.50% · 4.625%
HK$114,919
+HK$6,591/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,656/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,402
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,443
−HK$3,086/mo
Today · 4.125%
HK$119,529
baseline
▲ 0.50% · 4.625%
HK$125,829
+HK$6,300/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,058/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,498 · Scale 2, in force from 26 Feb 2026)