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$56,746
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,511
−HK$1,793/mo
Today · 4.125%
HK$60,304
baseline
▲ 0.50% · 4.625%
HK$63,973
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,608/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,129
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,822
−HK$1,718/mo
Today · 4.125%
HK$66,540
baseline
▲ 0.50% · 4.625%
HK$70,047
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,080/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,095
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,213
−HK$2,152/mo
Today · 4.125%
HK$72,365
baseline
▲ 0.50% · 4.625%
HK$76,768
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,730/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,755
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,786
−HK$2,062/mo
Today · 4.125%
HK$79,848
baseline
▲ 0.50% · 4.625%
HK$84,056
+HK$4,208/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,696/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,444
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,915
−HK$2,511/mo
Today · 4.125%
HK$84,426
baseline
▲ 0.50% · 4.625%
HK$89,563
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,852/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,380
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,751
−HK$2,404/mo
Today · 4.125%
HK$93,155
baseline
▲ 0.50% · 4.625%
HK$98,066
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,310/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,142
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,319
−HK$3,228/mo
Today · 4.125%
HK$108,547
baseline
▲ 0.50% · 4.625%
HK$115,152
+HK$6,605/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,094/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,632
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,680
−HK$3,091/mo
Today · 4.125%
HK$119,771
baseline
▲ 0.50% · 4.625%
HK$126,085
+HK$6,314/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,542/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,640 · Scale 2, in force from 26 Feb 2026)