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$56,617
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,378
−HK$1,790/mo
Today · 4.125%
HK$60,168
baseline
▲ 0.50% · 4.625%
HK$63,829
+HK$3,661/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,336/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,986
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,675
−HK$1,714/mo
Today · 4.125%
HK$66,389
baseline
▲ 0.50% · 4.625%
HK$69,888
+HK$3,499/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,778/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,055,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,941
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,054
−HK$2,147/mo
Today · 4.125%
HK$72,201
baseline
▲ 0.50% · 4.625%
HK$76,594
+HK$4,393/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$144,402/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,583
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,610
−HK$2,057/mo
Today · 4.125%
HK$79,667
baseline
▲ 0.50% · 4.625%
HK$83,866
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.90M · min. income ≈ HK$159,334/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,055,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,264
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,730
−HK$2,505/mo
Today · 4.125%
HK$84,235
baseline
▲ 0.50% · 4.625%
HK$89,360
+HK$5,125/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,470/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,180
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,545
−HK$2,399/mo
Today · 4.125%
HK$92,944
baseline
▲ 0.50% · 4.625%
HK$97,844
+HK$4,900/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,888/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,055,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,911
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,081
−HK$3,221/mo
Today · 4.125%
HK$108,302
baseline
▲ 0.50% · 4.625%
HK$114,891
+HK$6,589/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$216,604/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,375
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,415
−HK$3,085/mo
Today · 4.125%
HK$119,500
baseline
▲ 0.50% · 4.625%
HK$125,799
+HK$6,299/mo
Deposit HK$2.48M · loan HK$22.35M · min. income ≈ HK$239,000/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,055,245 · Scale 2, in force from 26 Feb 2026)