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$56,552
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,311
−HK$1,787/mo
Today · 4.125%
HK$60,098
baseline
▲ 0.50% · 4.625%
HK$63,755
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,196/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,054,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,913
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,601
−HK$1,712/mo
Today · 4.125%
HK$66,313
baseline
▲ 0.50% · 4.625%
HK$69,808
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,626/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,054,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,862
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,973
−HK$2,145/mo
Today · 4.125%
HK$72,118
baseline
▲ 0.50% · 4.625%
HK$76,506
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,236/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,054,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,496
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,521
−HK$2,054/mo
Today · 4.125%
HK$79,575
baseline
▲ 0.50% · 4.625%
HK$83,770
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,150/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,054,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,173
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,635
−HK$2,503/mo
Today · 4.125%
HK$84,138
baseline
▲ 0.50% · 4.625%
HK$89,257
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,276/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,054,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,079
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,441
−HK$2,397/mo
Today · 4.125%
HK$92,838
baseline
▲ 0.50% · 4.625%
HK$97,731
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,676/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,054,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,794
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,960
−HK$3,217/mo
Today · 4.125%
HK$108,177
baseline
▲ 0.50% · 4.625%
HK$114,759
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,354/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,244
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,281
−HK$3,082/mo
Today · 4.125%
HK$119,363
baseline
▲ 0.50% · 4.625%
HK$125,654
+HK$6,291/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,726/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,030 · Scale 2, in force from 26 Feb 2026)