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$56,451
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,206
−HK$1,784/mo
Today · 4.125%
HK$59,990
baseline
▲ 0.50% · 4.625%
HK$63,641
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,980/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,801
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,485
−HK$1,709/mo
Today · 4.125%
HK$66,194
baseline
▲ 0.50% · 4.625%
HK$69,683
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,388/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,741
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,848
−HK$2,141/mo
Today · 4.125%
HK$71,989
baseline
▲ 0.50% · 4.625%
HK$76,369
+HK$4,380/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,978/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,361
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,382
−HK$2,050/mo
Today · 4.125%
HK$79,432
baseline
▲ 0.50% · 4.625%
HK$83,619
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,864/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,031
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,489
−HK$2,498/mo
Today · 4.125%
HK$83,987
baseline
▲ 0.50% · 4.625%
HK$89,097
+HK$5,110/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,974/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,921
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,279
−HK$2,392/mo
Today · 4.125%
HK$92,671
baseline
▲ 0.50% · 4.625%
HK$97,556
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,342/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,611
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,772
−HK$3,211/mo
Today · 4.125%
HK$107,983
baseline
▲ 0.50% · 4.625%
HK$114,553
+HK$6,570/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,966/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,041
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,073
−HK$3,075/mo
Today · 4.125%
HK$119,148
baseline
▲ 0.50% · 4.625%
HK$125,429
+HK$6,281/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,296/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,139 · Scale 2, in force from 26 Feb 2026)