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$56,573
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,333
−HK$1,788/mo
Today · 4.125%
HK$60,121
baseline
▲ 0.50% · 4.625%
HK$63,779
+HK$3,658/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,242/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,937
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,625
−HK$1,713/mo
Today · 4.125%
HK$66,338
baseline
▲ 0.50% · 4.625%
HK$69,834
+HK$3,496/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,676/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,888
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,000
−HK$2,145/mo
Today · 4.125%
HK$72,145
baseline
▲ 0.50% · 4.625%
HK$76,535
+HK$4,390/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$144,290/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,525
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,550
−HK$2,055/mo
Today · 4.125%
HK$79,605
baseline
▲ 0.50% · 4.625%
HK$83,801
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$159,210/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,203
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,666
−HK$2,503/mo
Today · 4.125%
HK$84,169
baseline
▲ 0.50% · 4.625%
HK$89,291
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,338/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,112
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,475
−HK$2,398/mo
Today · 4.125%
HK$92,873
baseline
▲ 0.50% · 4.625%
HK$97,768
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,746/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,832
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$104,999
−HK$3,219/mo
Today · 4.125%
HK$108,218
baseline
▲ 0.50% · 4.625%
HK$114,802
+HK$6,584/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,436/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,287
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,325
−HK$3,083/mo
Today · 4.125%
HK$119,408
baseline
▲ 0.50% · 4.625%
HK$125,702
+HK$6,294/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,816/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,428 · Scale 2, in force from 26 Feb 2026)