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$56,515
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,273
−HK$1,786/mo
Today · 4.125%
HK$60,059
baseline
▲ 0.50% · 4.625%
HK$63,714
+HK$3,655/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,118/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,873
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,559
−HK$1,711/mo
Today · 4.125%
HK$66,270
baseline
▲ 0.50% · 4.625%
HK$69,763
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,540/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,819
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,928
−HK$2,143/mo
Today · 4.125%
HK$72,071
baseline
▲ 0.50% · 4.625%
HK$76,457
+HK$4,386/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,142/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,447
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,471
−HK$2,053/mo
Today · 4.125%
HK$79,524
baseline
▲ 0.50% · 4.625%
HK$83,715
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,048/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,122
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,583
−HK$2,500/mo
Today · 4.125%
HK$84,083
baseline
▲ 0.50% · 4.625%
HK$89,200
+HK$5,117/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,166/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,022
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,383
−HK$2,395/mo
Today · 4.125%
HK$92,778
baseline
▲ 0.50% · 4.625%
HK$97,668
+HK$4,890/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,556/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,728
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,892
−HK$3,215/mo
Today · 4.125%
HK$108,107
baseline
▲ 0.50% · 4.625%
HK$114,685
+HK$6,578/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,214/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,171
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,206
−HK$3,079/mo
Today · 4.125%
HK$119,285
baseline
▲ 0.50% · 4.625%
HK$125,573
+HK$6,288/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,570/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,350 · Scale 2, in force from 26 Feb 2026)