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$56,704
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,468
−HK$1,792/mo
Today · 4.125%
HK$60,260
baseline
▲ 0.50% · 4.625%
HK$63,926
+HK$3,666/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$120,520/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,083
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,774
−HK$1,717/mo
Today · 4.125%
HK$66,491
baseline
▲ 0.50% · 4.625%
HK$69,996
+HK$3,505/mo
Deposit HK$12.43M · loan HK$12.43M · min. income ≈ HK$132,982/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,045
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,161
−HK$2,151/mo
Today · 4.125%
HK$72,312
baseline
▲ 0.50% · 4.625%
HK$76,712
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,624/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,699
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,729
−HK$2,060/mo
Today · 4.125%
HK$79,789
baseline
▲ 0.50% · 4.625%
HK$83,995
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,578/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,056,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,386
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,855
−HK$2,509/mo
Today · 4.125%
HK$84,364
baseline
▲ 0.50% · 4.625%
HK$89,497
+HK$5,133/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,728/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,316
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,684
−HK$2,403/mo
Today · 4.125%
HK$93,087
baseline
▲ 0.50% · 4.625%
HK$97,994
+HK$4,907/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,174/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,067
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,242
−HK$3,226/mo
Today · 4.125%
HK$108,468
baseline
▲ 0.50% · 4.625%
HK$115,068
+HK$6,600/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,936/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,549
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,594
−HK$3,089/mo
Today · 4.125%
HK$119,683
baseline
▲ 0.50% · 4.625%
HK$125,992
+HK$6,309/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,366/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,863 · Scale 2, in force from 26 Feb 2026)