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$56,640
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,402
−HK$1,790/mo
Today · 4.125%
HK$60,192
baseline
▲ 0.50% · 4.625%
HK$63,854
+HK$3,662/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,384/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,011
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,701
−HK$1,715/mo
Today · 4.125%
HK$66,416
baseline
▲ 0.50% · 4.625%
HK$69,917
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,832/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,968
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,082
−HK$2,148/mo
Today · 4.125%
HK$72,230
baseline
▲ 0.50% · 4.625%
HK$76,625
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$144,460/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,614
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,642
−HK$2,057/mo
Today · 4.125%
HK$79,699
baseline
▲ 0.50% · 4.625%
HK$83,900
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$159,398/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,296
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,763
−HK$2,506/mo
Today · 4.125%
HK$84,269
baseline
▲ 0.50% · 4.625%
HK$89,396
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,538/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,216
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,582
−HK$2,400/mo
Today · 4.125%
HK$92,982
baseline
▲ 0.50% · 4.625%
HK$97,883
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,964/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,952
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,123
−HK$3,222/mo
Today · 4.125%
HK$108,345
baseline
▲ 0.50% · 4.625%
HK$114,938
+HK$6,593/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,690/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,421
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,463
−HK$3,085/mo
Today · 4.125%
HK$119,548
baseline
▲ 0.50% · 4.625%
HK$125,850
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,096/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,672 · Scale 2, in force from 26 Feb 2026)