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$3,559/mo
▼ 0.25% · 3.875%
HK$58,511
−HK$1,794/mo
Today · 4.125%
HK$60,305
baseline
▲ 0.50% · 4.625%
HK$63,974
+HK$3,669/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,610/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,130
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,823
−HK$1,717/mo
Today · 4.125%
HK$66,540
baseline
▲ 0.50% · 4.625%
HK$70,048
+HK$3,508/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$1,057,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,095
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,214
−HK$2,152/mo
Today · 4.125%
HK$72,366
baseline
▲ 0.50% · 4.625%
HK$76,769
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,732/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,755
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,787
−HK$2,061/mo
Today · 4.125%
HK$79,848
baseline
▲ 0.50% · 4.625%
HK$84,057
+HK$4,209/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$1,057,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,445
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,916
−HK$2,511/mo
Today · 4.125%
HK$84,427
baseline
▲ 0.50% · 4.625%
HK$89,564
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,854/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,381
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,752
−HK$2,404/mo
Today · 4.125%
HK$93,156
baseline
▲ 0.50% · 4.625%
HK$98,067
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,312/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,143
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,320
−HK$3,228/mo
Today · 4.125%
HK$108,548
baseline
▲ 0.50% · 4.625%
HK$115,153
+HK$6,605/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,096/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,633
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,681
−HK$3,091/mo
Today · 4.125%
HK$119,772
baseline
▲ 0.50% · 4.625%
HK$126,086
+HK$6,314/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,544/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,650 · Scale 2, in force from 26 Feb 2026)