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$56,102
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,847
−HK$1,773/mo
Today · 4.125%
HK$59,620
baseline
▲ 0.50% · 4.625%
HK$63,248
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,240/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,413
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,087
−HK$1,698/mo
Today · 4.125%
HK$65,785
baseline
▲ 0.50% · 4.625%
HK$69,252
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,570/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,322
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,416
−HK$2,128/mo
Today · 4.125%
HK$71,544
baseline
▲ 0.50% · 4.625%
HK$75,897
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,088/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,895
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,904
−HK$2,038/mo
Today · 4.125%
HK$78,942
baseline
▲ 0.50% · 4.625%
HK$83,103
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,884/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,543
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,986
−HK$2,482/mo
Today · 4.125%
HK$83,468
baseline
▲ 0.50% · 4.625%
HK$88,547
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,936/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,378
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,721
−HK$2,378/mo
Today · 4.125%
HK$92,099
baseline
▲ 0.50% · 4.625%
HK$96,953
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,198/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,983
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,125
−HK$3,191/mo
Today · 4.125%
HK$107,316
baseline
▲ 0.50% · 4.625%
HK$113,846
+HK$6,530/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,632/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,343
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,356
−HK$3,057/mo
Today · 4.125%
HK$118,413
baseline
▲ 0.50% · 4.625%
HK$124,654
+HK$6,241/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,826/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,643 · Scale 2, in force from 26 Feb 2026)