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$56,577
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,337
−HK$1,788/mo
Today · 4.125%
HK$60,125
baseline
▲ 0.50% · 4.625%
HK$63,784
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,250/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,942
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,630
−HK$1,712/mo
Today · 4.125%
HK$66,342
baseline
▲ 0.50% · 4.625%
HK$69,839
+HK$3,497/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,684/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,893
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,005
−HK$2,145/mo
Today · 4.125%
HK$72,150
baseline
▲ 0.50% · 4.625%
HK$76,541
+HK$4,391/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$144,300/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,530
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,556
−HK$2,055/mo
Today · 4.125%
HK$79,611
baseline
▲ 0.50% · 4.625%
HK$83,807
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$159,222/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,208
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,672
−HK$2,504/mo
Today · 4.125%
HK$84,176
baseline
▲ 0.50% · 4.625%
HK$89,297
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,352/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,119
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,482
−HK$2,397/mo
Today · 4.125%
HK$92,879
baseline
▲ 0.50% · 4.625%
HK$97,775
+HK$4,896/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,758/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,839
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,007
−HK$3,219/mo
Today · 4.125%
HK$108,226
baseline
▲ 0.50% · 4.625%
HK$114,811
+HK$6,585/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,452/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,295
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,334
−HK$3,082/mo
Today · 4.125%
HK$119,416
baseline
▲ 0.50% · 4.625%
HK$125,711
+HK$6,295/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,832/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,506 · Scale 2, in force from 26 Feb 2026)