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$56,647
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,409
−HK$1,790/mo
Today · 4.125%
HK$60,199
baseline
▲ 0.50% · 4.625%
HK$63,862
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,398/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,019
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,709
−HK$1,715/mo
Today · 4.125%
HK$66,424
baseline
▲ 0.50% · 4.625%
HK$69,925
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,848/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,055,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,976
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,091
−HK$2,148/mo
Today · 4.125%
HK$72,239
baseline
▲ 0.50% · 4.625%
HK$76,634
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$144,478/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,623
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,651
−HK$2,058/mo
Today · 4.125%
HK$79,709
baseline
▲ 0.50% · 4.625%
HK$83,910
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.91M · min. income ≈ HK$159,418/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,306
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,772
−HK$2,507/mo
Today · 4.125%
HK$84,279
baseline
▲ 0.50% · 4.625%
HK$89,407
+HK$5,128/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,558/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,227
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,593
−HK$2,400/mo
Today · 4.125%
HK$92,993
baseline
▲ 0.50% · 4.625%
HK$97,895
+HK$4,902/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,986/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,964
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,136
−HK$3,222/mo
Today · 4.125%
HK$108,358
baseline
▲ 0.50% · 4.625%
HK$114,952
+HK$6,594/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$216,716/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,434
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,477
−HK$3,086/mo
Today · 4.125%
HK$119,563
baseline
▲ 0.50% · 4.625%
HK$125,865
+HK$6,302/mo
Deposit HK$2.48M · loan HK$22.36M · min. income ≈ HK$239,126/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,799 · Scale 2, in force from 26 Feb 2026)