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$56,730
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,495
−HK$1,793/mo
Today · 4.125%
HK$60,288
baseline
▲ 0.50% · 4.625%
HK$63,956
+HK$3,668/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,576/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,112
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,805
−HK$1,717/mo
Today · 4.125%
HK$66,522
baseline
▲ 0.50% · 4.625%
HK$70,028
+HK$3,506/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,044/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,076
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,194
−HK$2,151/mo
Today · 4.125%
HK$72,345
baseline
▲ 0.50% · 4.625%
HK$76,748
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,690/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,734
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,766
−HK$2,060/mo
Today · 4.125%
HK$79,826
baseline
▲ 0.50% · 4.625%
HK$84,034
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,652/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,423
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,893
−HK$2,510/mo
Today · 4.125%
HK$84,403
baseline
▲ 0.50% · 4.625%
HK$89,539
+HK$5,136/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$168,806/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,357
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,726
−HK$2,404/mo
Today · 4.125%
HK$93,130
baseline
▲ 0.50% · 4.625%
HK$98,039
+HK$4,909/mo
Deposit HK$7.46M · loan HK$17.42M · min. income ≈ HK$186,260/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,115
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,291
−HK$3,227/mo
Today · 4.125%
HK$108,518
baseline
▲ 0.50% · 4.625%
HK$115,121
+HK$6,603/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$217,036/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,602
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,648
−HK$3,091/mo
Today · 4.125%
HK$119,739
baseline
▲ 0.50% · 4.625%
HK$126,051
+HK$6,312/mo
Deposit HK$2.49M · loan HK$22.39M · min. income ≈ HK$239,478/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,356 · Scale 2, in force from 26 Feb 2026)