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$56,706
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,470
−HK$1,792/mo
Today · 4.125%
HK$60,262
baseline
▲ 0.50% · 4.625%
HK$63,928
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,524/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,084
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,776
−HK$1,717/mo
Today · 4.125%
HK$66,493
baseline
▲ 0.50% · 4.625%
HK$69,998
+HK$3,505/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,986/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,047
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,163
−HK$2,151/mo
Today · 4.125%
HK$72,314
baseline
▲ 0.50% · 4.625%
HK$76,714
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,628/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,701
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,732
−HK$2,059/mo
Today · 4.125%
HK$79,791
baseline
▲ 0.50% · 4.625%
HK$83,997
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,582/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,388
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,857
−HK$2,509/mo
Today · 4.125%
HK$84,366
baseline
▲ 0.50% · 4.625%
HK$89,500
+HK$5,134/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,732/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,318
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,687
−HK$2,403/mo
Today · 4.125%
HK$93,090
baseline
▲ 0.50% · 4.625%
HK$97,997
+HK$4,907/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,180/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,070
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,245
−HK$3,226/mo
Today · 4.125%
HK$108,471
baseline
▲ 0.50% · 4.625%
HK$115,071
+HK$6,600/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,942/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,552
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,597
−HK$3,090/mo
Today · 4.125%
HK$119,687
baseline
▲ 0.50% · 4.625%
HK$125,996
+HK$6,309/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,374/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,895 · Scale 2, in force from 26 Feb 2026)