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$56,638
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,399
−HK$1,790/mo
Today · 4.125%
HK$60,189
baseline
▲ 0.50% · 4.625%
HK$63,852
+HK$3,663/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$120,378/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,009
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,699
−HK$1,714/mo
Today · 4.125%
HK$66,413
baseline
▲ 0.50% · 4.625%
HK$69,914
+HK$3,501/mo
Deposit HK$12.42M · loan HK$12.42M · min. income ≈ HK$132,826/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,965
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,079
−HK$2,148/mo
Today · 4.125%
HK$72,227
baseline
▲ 0.50% · 4.625%
HK$76,622
+HK$4,395/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$144,454/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,610
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,638
−HK$2,057/mo
Today · 4.125%
HK$79,695
baseline
▲ 0.50% · 4.625%
HK$83,896
+HK$4,201/mo
Deposit HK$9.94M · loan HK$14.90M · min. income ≈ HK$159,390/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,293
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,759
−HK$2,506/mo
Today · 4.125%
HK$84,265
baseline
▲ 0.50% · 4.625%
HK$89,392
+HK$5,127/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$168,530/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,212
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,578
−HK$2,400/mo
Today · 4.125%
HK$92,978
baseline
▲ 0.50% · 4.625%
HK$97,879
+HK$4,901/mo
Deposit HK$7.45M · loan HK$17.39M · min. income ≈ HK$185,956/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,055,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,948
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,119
−HK$3,222/mo
Today · 4.125%
HK$108,341
baseline
▲ 0.50% · 4.625%
HK$114,933
+HK$6,592/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,682/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,416
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,457
−HK$3,086/mo
Today · 4.125%
HK$119,543
baseline
▲ 0.50% · 4.625%
HK$125,844
+HK$6,301/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,086/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,626 · Scale 2, in force from 26 Feb 2026)