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$56,415
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,170
−HK$1,782/mo
Today · 4.125%
HK$59,952
baseline
▲ 0.50% · 4.625%
HK$63,600
+HK$3,648/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,904/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,761
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,444
−HK$1,708/mo
Today · 4.125%
HK$66,152
baseline
▲ 0.50% · 4.625%
HK$69,639
+HK$3,487/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,304/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,698
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,804
−HK$2,139/mo
Today · 4.125%
HK$71,943
baseline
▲ 0.50% · 4.625%
HK$76,321
+HK$4,378/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$143,886/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,313
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,333
−HK$2,049/mo
Today · 4.125%
HK$79,382
baseline
▲ 0.50% · 4.625%
HK$83,566
+HK$4,184/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$158,764/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,981
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,437
−HK$2,496/mo
Today · 4.125%
HK$83,933
baseline
▲ 0.50% · 4.625%
HK$89,041
+HK$5,108/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,866/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,865
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,222
−HK$2,390/mo
Today · 4.125%
HK$92,612
baseline
▲ 0.50% · 4.625%
HK$97,494
+HK$4,882/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,224/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,547
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,705
−HK$3,209/mo
Today · 4.125%
HK$107,914
baseline
▲ 0.50% · 4.625%
HK$114,481
+HK$6,567/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,828/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,970
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,999
−HK$3,074/mo
Today · 4.125%
HK$119,073
baseline
▲ 0.50% · 4.625%
HK$125,350
+HK$6,277/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,146/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,474 · Scale 2, in force from 26 Feb 2026)