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$56,701
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,465
−HK$1,792/mo
Today · 4.125%
HK$60,257
baseline
▲ 0.50% · 4.625%
HK$63,923
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,514/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,079
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,771
−HK$1,716/mo
Today · 4.125%
HK$66,487
baseline
▲ 0.50% · 4.625%
HK$69,992
+HK$3,505/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,974/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,041
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,158
−HK$2,150/mo
Today · 4.125%
HK$72,308
baseline
▲ 0.50% · 4.625%
HK$76,708
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,616/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,695
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,725
−HK$2,060/mo
Today · 4.125%
HK$79,785
baseline
▲ 0.50% · 4.625%
HK$83,990
+HK$4,205/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,570/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,381
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,851
−HK$2,508/mo
Today · 4.125%
HK$84,359
baseline
▲ 0.50% · 4.625%
HK$89,492
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,718/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,311
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,679
−HK$2,403/mo
Today · 4.125%
HK$93,082
baseline
▲ 0.50% · 4.625%
HK$97,989
+HK$4,907/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,164/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,062
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,237
−HK$3,225/mo
Today · 4.125%
HK$108,462
baseline
▲ 0.50% · 4.625%
HK$115,062
+HK$6,600/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,924/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,543
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,588
−HK$3,089/mo
Today · 4.125%
HK$119,677
baseline
▲ 0.50% · 4.625%
HK$125,985
+HK$6,308/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,354/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,808 · Scale 2, in force from 26 Feb 2026)