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$56,452
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,208
−HK$1,784/mo
Today · 4.125%
HK$59,992
baseline
▲ 0.50% · 4.625%
HK$63,643
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,984/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,802
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,487
−HK$1,708/mo
Today · 4.125%
HK$66,195
baseline
▲ 0.50% · 4.625%
HK$69,685
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,390/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,743
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,850
−HK$2,141/mo
Today · 4.125%
HK$71,991
baseline
▲ 0.50% · 4.625%
HK$76,371
+HK$4,380/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,982/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,363
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,384
−HK$2,051/mo
Today · 4.125%
HK$79,435
baseline
▲ 0.50% · 4.625%
HK$83,622
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,870/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,033
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,491
−HK$2,498/mo
Today · 4.125%
HK$83,989
baseline
▲ 0.50% · 4.625%
HK$89,100
+HK$5,111/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,978/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,923
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,281
−HK$2,393/mo
Today · 4.125%
HK$92,674
baseline
▲ 0.50% · 4.625%
HK$97,559
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,348/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,614
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,775
−HK$3,211/mo
Today · 4.125%
HK$107,986
baseline
▲ 0.50% · 4.625%
HK$114,557
+HK$6,571/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,972/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,044
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$116,076
−HK$3,076/mo
Today · 4.125%
HK$119,152
baseline
▲ 0.50% · 4.625%
HK$125,432
+HK$6,280/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,304/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,169 · Scale 2, in force from 26 Feb 2026)