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$56,393
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,147
−HK$1,783/mo
Today · 4.125%
HK$59,930
baseline
▲ 0.50% · 4.625%
HK$63,576
+HK$3,646/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,860/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,737
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,420
−HK$1,706/mo
Today · 4.125%
HK$66,126
baseline
▲ 0.50% · 4.625%
HK$69,612
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,252/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,672
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,777
−HK$2,139/mo
Today · 4.125%
HK$71,916
baseline
▲ 0.50% · 4.625%
HK$76,292
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,832/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,284
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,303
−HK$2,049/mo
Today · 4.125%
HK$79,352
baseline
▲ 0.50% · 4.625%
HK$83,535
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,704/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,951
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,406
−HK$2,496/mo
Today · 4.125%
HK$83,902
baseline
▲ 0.50% · 4.625%
HK$89,007
+HK$5,105/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,804/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,832
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,187
−HK$2,390/mo
Today · 4.125%
HK$92,577
baseline
▲ 0.50% · 4.625%
HK$97,457
+HK$4,880/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,154/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,508
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,665
−HK$3,208/mo
Today · 4.125%
HK$107,873
baseline
▲ 0.50% · 4.625%
HK$114,437
+HK$6,564/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,746/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,927
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,955
−HK$3,073/mo
Today · 4.125%
HK$119,028
baseline
▲ 0.50% · 4.625%
HK$125,302
+HK$6,274/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,056/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,073 · Scale 2, in force from 26 Feb 2026)