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$56,686
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,449
−HK$1,791/mo
Today · 4.125%
HK$60,240
baseline
▲ 0.50% · 4.625%
HK$63,906
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,480/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,062
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,753
−HK$1,716/mo
Today · 4.125%
HK$66,469
baseline
▲ 0.50% · 4.625%
HK$69,973
+HK$3,504/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,938/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,023
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,138
−HK$2,150/mo
Today · 4.125%
HK$72,288
baseline
▲ 0.50% · 4.625%
HK$76,687
+HK$4,399/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$144,576/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,674
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,704
−HK$2,059/mo
Today · 4.125%
HK$79,763
baseline
▲ 0.50% · 4.625%
HK$83,967
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$159,526/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,360
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,828
−HK$2,508/mo
Today · 4.125%
HK$84,336
baseline
▲ 0.50% · 4.625%
HK$89,468
+HK$5,132/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,672/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,287
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,655
−HK$2,402/mo
Today · 4.125%
HK$93,057
baseline
▲ 0.50% · 4.625%
HK$97,962
+HK$4,905/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$186,114/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,034
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,208
−HK$3,224/mo
Today · 4.125%
HK$108,432
baseline
▲ 0.50% · 4.625%
HK$115,030
+HK$6,598/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,864/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,512
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,556
−HK$3,088/mo
Today · 4.125%
HK$119,644
baseline
▲ 0.50% · 4.625%
HK$125,951
+HK$6,307/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,288/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,519 · Scale 2, in force from 26 Feb 2026)