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$56,746
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,511
−HK$1,793/mo
Today · 4.125%
HK$60,304
baseline
▲ 0.50% · 4.625%
HK$63,974
+HK$3,670/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,608/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,129
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,822
−HK$1,718/mo
Today · 4.125%
HK$66,540
baseline
▲ 0.50% · 4.625%
HK$70,047
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,080/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,095
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,213
−HK$2,152/mo
Today · 4.125%
HK$72,365
baseline
▲ 0.50% · 4.625%
HK$76,769
+HK$4,404/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,730/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,755
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,787
−HK$2,061/mo
Today · 4.125%
HK$79,848
baseline
▲ 0.50% · 4.625%
HK$84,057
+HK$4,209/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,696/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,444
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,915
−HK$2,511/mo
Today · 4.125%
HK$84,426
baseline
▲ 0.50% · 4.625%
HK$89,563
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,852/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,381
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,751
−HK$2,405/mo
Today · 4.125%
HK$93,156
baseline
▲ 0.50% · 4.625%
HK$98,066
+HK$4,910/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,312/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,143
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,320
−HK$3,228/mo
Today · 4.125%
HK$108,548
baseline
▲ 0.50% · 4.625%
HK$115,153
+HK$6,605/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,096/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,633
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,680
−HK$3,092/mo
Today · 4.125%
HK$119,772
baseline
▲ 0.50% · 4.625%
HK$126,085
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,544/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,646 · Scale 2, in force from 26 Feb 2026)