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$56,727
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,492
−HK$1,793/mo
Today · 4.125%
HK$60,285
baseline
▲ 0.50% · 4.625%
HK$63,953
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,570/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,109
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,801
−HK$1,717/mo
Today · 4.125%
HK$66,518
baseline
▲ 0.50% · 4.625%
HK$70,025
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,036/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,073
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,190
−HK$2,152/mo
Today · 4.125%
HK$72,342
baseline
▲ 0.50% · 4.625%
HK$76,743
+HK$4,401/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,684/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,730
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,761
−HK$2,061/mo
Today · 4.125%
HK$79,822
baseline
▲ 0.50% · 4.625%
HK$84,029
+HK$4,207/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,644/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,418
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,889
−HK$2,510/mo
Today · 4.125%
HK$84,399
baseline
▲ 0.50% · 4.625%
HK$89,534
+HK$5,135/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,798/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,352
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,722
−HK$2,404/mo
Today · 4.125%
HK$93,126
baseline
▲ 0.50% · 4.625%
HK$98,034
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,252/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,109
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,286
−HK$3,227/mo
Today · 4.125%
HK$108,513
baseline
▲ 0.50% · 4.625%
HK$115,115
+HK$6,602/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,026/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,596
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,642
−HK$3,091/mo
Today · 4.125%
HK$119,733
baseline
▲ 0.50% · 4.625%
HK$126,044
+HK$6,311/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,466/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,300 · Scale 2, in force from 26 Feb 2026)