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$56,336
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,088
−HK$1,781/mo
Today · 4.125%
HK$59,869
baseline
▲ 0.50% · 4.625%
HK$63,512
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,738/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,673
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,354
−HK$1,705/mo
Today · 4.125%
HK$66,059
baseline
▲ 0.50% · 4.625%
HK$69,541
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,118/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,603
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,706
−HK$2,137/mo
Today · 4.125%
HK$71,843
baseline
▲ 0.50% · 4.625%
HK$76,214
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,686/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,208
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,225
−HK$2,046/mo
Today · 4.125%
HK$79,271
baseline
▲ 0.50% · 4.625%
HK$83,450
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,542/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,870
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,324
−HK$2,492/mo
Today · 4.125%
HK$83,816
baseline
▲ 0.50% · 4.625%
HK$88,916
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,632/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,743
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,096
−HK$2,387/mo
Today · 4.125%
HK$92,483
baseline
▲ 0.50% · 4.625%
HK$97,358
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,966/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,405
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,559
−HK$3,205/mo
Today · 4.125%
HK$107,764
baseline
▲ 0.50% · 4.625%
HK$114,321
+HK$6,557/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,528/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,812
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,837
−HK$3,070/mo
Today · 4.125%
HK$118,907
baseline
▲ 0.50% · 4.625%
HK$125,175
+HK$6,268/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,814/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,006 · Scale 2, in force from 26 Feb 2026)