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$56,338
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,090
−HK$1,781/mo
Today · 4.125%
HK$59,871
baseline
▲ 0.50% · 4.625%
HK$63,514
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,742/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,675
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,356
−HK$1,706/mo
Today · 4.125%
HK$66,062
baseline
▲ 0.50% · 4.625%
HK$69,544
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,124/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,606
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,708
−HK$2,137/mo
Today · 4.125%
HK$71,845
baseline
▲ 0.50% · 4.625%
HK$76,217
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,690/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,211
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,228
−HK$2,046/mo
Today · 4.125%
HK$79,274
baseline
▲ 0.50% · 4.625%
HK$83,453
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,548/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,873
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,327
−HK$2,492/mo
Today · 4.125%
HK$83,819
baseline
▲ 0.50% · 4.625%
HK$88,919
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,638/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,746
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,099
−HK$2,387/mo
Today · 4.125%
HK$92,486
baseline
▲ 0.50% · 4.625%
HK$97,361
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,972/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,408
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,563
−HK$3,205/mo
Today · 4.125%
HK$107,768
baseline
▲ 0.50% · 4.625%
HK$114,325
+HK$6,557/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,536/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,816
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,841
−HK$3,070/mo
Today · 4.125%
HK$118,911
baseline
▲ 0.50% · 4.625%
HK$125,179
+HK$6,268/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,822/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,042 · Scale 2, in force from 26 Feb 2026)