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$56,572
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,332
−HK$1,788/mo
Today · 4.125%
HK$60,120
baseline
▲ 0.50% · 4.625%
HK$63,778
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,240/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,936
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,624
−HK$1,712/mo
Today · 4.125%
HK$66,336
baseline
▲ 0.50% · 4.625%
HK$69,833
+HK$3,497/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,672/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,887
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,998
−HK$2,146/mo
Today · 4.125%
HK$72,144
baseline
▲ 0.50% · 4.625%
HK$76,534
+HK$4,390/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$144,288/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,523
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,549
−HK$2,055/mo
Today · 4.125%
HK$79,604
baseline
▲ 0.50% · 4.625%
HK$83,800
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$159,208/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,201
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,665
−HK$2,503/mo
Today · 4.125%
HK$84,168
baseline
▲ 0.50% · 4.625%
HK$89,289
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,336/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,110
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,474
−HK$2,397/mo
Today · 4.125%
HK$92,871
baseline
▲ 0.50% · 4.625%
HK$97,766
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,742/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,830
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$104,997
−HK$3,219/mo
Today · 4.125%
HK$108,216
baseline
▲ 0.50% · 4.625%
HK$114,800
+HK$6,584/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,432/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,285
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,323
−HK$3,082/mo
Today · 4.125%
HK$119,405
baseline
▲ 0.50% · 4.625%
HK$125,699
+HK$6,294/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,810/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,408 · Scale 2, in force from 26 Feb 2026)