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$56,562
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,321
−HK$1,788/mo
Today · 4.125%
HK$60,109
baseline
▲ 0.50% · 4.625%
HK$63,766
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,218/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,924
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,612
−HK$1,712/mo
Today · 4.125%
HK$66,324
baseline
▲ 0.50% · 4.625%
HK$69,820
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,648/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,874
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,985
−HK$2,145/mo
Today · 4.125%
HK$72,130
baseline
▲ 0.50% · 4.625%
HK$76,519
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,260/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,509
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,534
−HK$2,055/mo
Today · 4.125%
HK$79,589
baseline
▲ 0.50% · 4.625%
HK$83,784
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,178/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,186
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,649
−HK$2,503/mo
Today · 4.125%
HK$84,152
baseline
▲ 0.50% · 4.625%
HK$89,272
+HK$5,120/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,304/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,094
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,457
−HK$2,396/mo
Today · 4.125%
HK$92,853
baseline
▲ 0.50% · 4.625%
HK$97,748
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,706/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,811
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,978
−HK$3,217/mo
Today · 4.125%
HK$108,195
baseline
▲ 0.50% · 4.625%
HK$114,779
+HK$6,584/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,390/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,264
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,301
−HK$3,082/mo
Today · 4.125%
HK$119,383
baseline
▲ 0.50% · 4.625%
HK$125,676
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,766/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,210 · Scale 2, in force from 26 Feb 2026)