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$56,096
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,841
−HK$1,773/mo
Today · 4.125%
HK$59,614
baseline
▲ 0.50% · 4.625%
HK$63,241
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,228/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,406
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,080
−HK$1,698/mo
Today · 4.125%
HK$65,778
baseline
▲ 0.50% · 4.625%
HK$69,245
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,556/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,315
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,409
−HK$2,128/mo
Today · 4.125%
HK$71,537
baseline
▲ 0.50% · 4.625%
HK$75,889
+HK$4,352/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,074/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,888
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,896
−HK$2,038/mo
Today · 4.125%
HK$78,934
baseline
▲ 0.50% · 4.625%
HK$83,094
+HK$4,160/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,868/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,534
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,977
−HK$2,482/mo
Today · 4.125%
HK$83,459
baseline
▲ 0.50% · 4.625%
HK$88,538
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,918/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,369
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,712
−HK$2,377/mo
Today · 4.125%
HK$92,089
baseline
▲ 0.50% · 4.625%
HK$96,943
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,178/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,973
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,114
−HK$3,191/mo
Today · 4.125%
HK$107,305
baseline
▲ 0.50% · 4.625%
HK$113,834
+HK$6,529/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,610/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,331
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,344
−HK$3,056/mo
Today · 4.125%
HK$118,400
baseline
▲ 0.50% · 4.625%
HK$124,641
+HK$6,241/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,800/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,533 · Scale 2, in force from 26 Feb 2026)