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$56,754
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,519
−HK$1,794/mo
Today · 4.125%
HK$60,313
baseline
▲ 0.50% · 4.625%
HK$63,983
+HK$3,670/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,626/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,138
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,831
−HK$1,718/mo
Today · 4.125%
HK$66,549
baseline
▲ 0.50% · 4.625%
HK$70,057
+HK$3,508/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,098/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,105
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,223
−HK$2,152/mo
Today · 4.125%
HK$72,375
baseline
▲ 0.50% · 4.625%
HK$76,779
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$144,750/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,766
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,798
−HK$2,061/mo
Today · 4.125%
HK$79,859
baseline
▲ 0.50% · 4.625%
HK$84,069
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$159,718/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,455
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,927
−HK$2,511/mo
Today · 4.125%
HK$84,438
baseline
▲ 0.50% · 4.625%
HK$89,576
+HK$5,138/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,876/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,393
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,764
−HK$2,405/mo
Today · 4.125%
HK$93,169
baseline
▲ 0.50% · 4.625%
HK$98,080
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,338/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,157
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,335
−HK$3,228/mo
Today · 4.125%
HK$108,563
baseline
▲ 0.50% · 4.625%
HK$115,169
+HK$6,606/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,126/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,649
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,697
−HK$3,092/mo
Today · 4.125%
HK$119,789
baseline
▲ 0.50% · 4.625%
HK$126,103
+HK$6,314/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,578/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,794 · Scale 2, in force from 26 Feb 2026)