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$56,647
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,409
−HK$1,791/mo
Today · 4.125%
HK$60,200
baseline
▲ 0.50% · 4.625%
HK$63,863
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,400/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,020
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,710
−HK$1,714/mo
Today · 4.125%
HK$66,424
baseline
▲ 0.50% · 4.625%
HK$69,926
+HK$3,502/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,848/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,977
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,091
−HK$2,149/mo
Today · 4.125%
HK$72,240
baseline
▲ 0.50% · 4.625%
HK$76,635
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,480/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,623
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,652
−HK$2,057/mo
Today · 4.125%
HK$79,709
baseline
▲ 0.50% · 4.625%
HK$83,911
+HK$4,202/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,418/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,306
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,773
−HK$2,506/mo
Today · 4.125%
HK$84,279
baseline
▲ 0.50% · 4.625%
HK$89,408
+HK$5,129/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,558/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,227
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,594
−HK$2,400/mo
Today · 4.125%
HK$92,994
baseline
▲ 0.50% · 4.625%
HK$97,896
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,988/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,965
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,137
−HK$3,222/mo
Today · 4.125%
HK$108,359
baseline
▲ 0.50% · 4.625%
HK$114,953
+HK$6,594/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,718/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,435
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,477
−HK$3,087/mo
Today · 4.125%
HK$119,564
baseline
▲ 0.50% · 4.625%
HK$125,866
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,128/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,808 · Scale 2, in force from 26 Feb 2026)