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$56,630
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,392
−HK$1,789/mo
Today · 4.125%
HK$60,181
baseline
▲ 0.50% · 4.625%
HK$63,843
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,362/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,000
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,690
−HK$1,714/mo
Today · 4.125%
HK$66,404
baseline
▲ 0.50% · 4.625%
HK$69,904
+HK$3,500/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,808/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,956
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,070
−HK$2,148/mo
Today · 4.125%
HK$72,218
baseline
▲ 0.50% · 4.625%
HK$76,612
+HK$4,394/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,436/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,601
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,628
−HK$2,057/mo
Today · 4.125%
HK$79,685
baseline
▲ 0.50% · 4.625%
HK$83,885
+HK$4,200/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,370/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,282
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,748
−HK$2,506/mo
Today · 4.125%
HK$84,254
baseline
▲ 0.50% · 4.625%
HK$89,381
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,508/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,201
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,566
−HK$2,400/mo
Today · 4.125%
HK$92,966
baseline
▲ 0.50% · 4.625%
HK$97,866
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,932/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,934
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,105
−HK$3,221/mo
Today · 4.125%
HK$108,326
baseline
▲ 0.50% · 4.625%
HK$114,918
+HK$6,592/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,652/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,401
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,442
−HK$3,086/mo
Today · 4.125%
HK$119,528
baseline
▲ 0.50% · 4.625%
HK$125,828
+HK$6,300/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,056/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,487 · Scale 2, in force from 26 Feb 2026)