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$56,673
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,436
−HK$1,791/mo
Today · 4.125%
HK$60,227
baseline
▲ 0.50% · 4.625%
HK$63,892
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,454/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,048
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,739
−HK$1,716/mo
Today · 4.125%
HK$66,455
baseline
▲ 0.50% · 4.625%
HK$69,958
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,910/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,056,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,008
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,123
−HK$2,150/mo
Today · 4.125%
HK$72,273
baseline
▲ 0.50% · 4.625%
HK$76,670
+HK$4,397/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,546/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,658
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,687
−HK$2,059/mo
Today · 4.125%
HK$79,746
baseline
▲ 0.50% · 4.625%
HK$83,949
+HK$4,203/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,492/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,343
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,811
−HK$2,507/mo
Today · 4.125%
HK$84,318
baseline
▲ 0.50% · 4.625%
HK$89,449
+HK$5,131/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,636/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,268
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,635
−HK$2,402/mo
Today · 4.125%
HK$93,037
baseline
▲ 0.50% · 4.625%
HK$97,941
+HK$4,904/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,074/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,012
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,185
−HK$3,224/mo
Today · 4.125%
HK$108,409
baseline
▲ 0.50% · 4.625%
HK$115,005
+HK$6,596/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,818/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,487
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,531
−HK$3,088/mo
Today · 4.125%
HK$119,619
baseline
▲ 0.50% · 4.625%
HK$125,924
+HK$6,305/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,238/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,292 · Scale 2, in force from 26 Feb 2026)