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$56,419
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,174
−HK$1,783/mo
Today · 4.125%
HK$59,957
baseline
▲ 0.50% · 4.625%
HK$63,605
+HK$3,648/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,914/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,766
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,449
−HK$1,708/mo
Today · 4.125%
HK$66,157
baseline
▲ 0.50% · 4.625%
HK$69,644
+HK$3,487/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,314/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,703
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,809
−HK$2,140/mo
Today · 4.125%
HK$71,949
baseline
▲ 0.50% · 4.625%
HK$76,327
+HK$4,378/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,898/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,319
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,339
−HK$2,049/mo
Today · 4.125%
HK$79,388
baseline
▲ 0.50% · 4.625%
HK$83,573
+HK$4,185/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,776/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,987
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,444
−HK$2,496/mo
Today · 4.125%
HK$83,940
baseline
▲ 0.50% · 4.625%
HK$89,048
+HK$5,108/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,880/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,872
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,229
−HK$2,391/mo
Today · 4.125%
HK$92,620
baseline
▲ 0.50% · 4.625%
HK$97,502
+HK$4,882/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,240/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,555
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,713
−HK$3,210/mo
Today · 4.125%
HK$107,923
baseline
▲ 0.50% · 4.625%
HK$114,490
+HK$6,567/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,846/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,978
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,008
−HK$3,074/mo
Today · 4.125%
HK$119,082
baseline
▲ 0.50% · 4.625%
HK$125,359
+HK$6,277/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,164/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,556 · Scale 2, in force from 26 Feb 2026)