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$3,555/mo
▼ 0.25% · 3.875%
HK$58,449
−HK$1,792/mo
Today · 4.125%
HK$60,241
baseline
▲ 0.50% · 4.625%
HK$63,906
+HK$3,665/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,482/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,063
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,754
−HK$1,716/mo
Today · 4.125%
HK$66,470
baseline
▲ 0.50% · 4.625%
HK$69,973
+HK$3,503/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,940/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,023
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,139
−HK$2,150/mo
Today · 4.125%
HK$72,289
baseline
▲ 0.50% · 4.625%
HK$76,687
+HK$4,398/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$144,578/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,675
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,705
−HK$2,059/mo
Today · 4.125%
HK$79,764
baseline
▲ 0.50% · 4.625%
HK$83,968
+HK$4,204/mo
Deposit HK$9.94M · loan HK$14.92M · min. income ≈ HK$159,528/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,360
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,829
−HK$2,508/mo
Today · 4.125%
HK$84,337
baseline
▲ 0.50% · 4.625%
HK$89,469
+HK$5,132/mo
Deposit HK$7.46M · loan HK$17.40M · min. income ≈ HK$168,674/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$1,056,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,288
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,655
−HK$2,402/mo
Today · 4.125%
HK$93,057
baseline
▲ 0.50% · 4.625%
HK$97,963
+HK$4,906/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$1,056,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,035
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,209
−HK$3,224/mo
Today · 4.125%
HK$108,433
baseline
▲ 0.50% · 4.625%
HK$115,031
+HK$6,598/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$216,866/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,513
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,557
−HK$3,088/mo
Today · 4.125%
HK$119,645
baseline
▲ 0.50% · 4.625%
HK$125,952
+HK$6,307/mo
Deposit HK$2.49M · loan HK$22.37M · min. income ≈ HK$239,290/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,528 · Scale 2, in force from 26 Feb 2026)