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$56,111
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,856
−HK$1,774/mo
Today · 4.125%
HK$59,630
baseline
▲ 0.50% · 4.625%
HK$63,258
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,260/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,423
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,097
−HK$1,699/mo
Today · 4.125%
HK$65,796
baseline
▲ 0.50% · 4.625%
HK$69,264
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,592/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,333
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,428
−HK$2,128/mo
Today · 4.125%
HK$71,556
baseline
▲ 0.50% · 4.625%
HK$75,910
+HK$4,354/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,112/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,908
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,917
−HK$2,038/mo
Today · 4.125%
HK$78,955
baseline
▲ 0.50% · 4.625%
HK$83,116
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,910/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,556
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,999
−HK$2,483/mo
Today · 4.125%
HK$83,482
baseline
▲ 0.50% · 4.625%
HK$88,561
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,964/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,392
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,736
−HK$2,378/mo
Today · 4.125%
HK$92,114
baseline
▲ 0.50% · 4.625%
HK$96,969
+HK$4,855/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,228/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,000
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,142
−HK$3,192/mo
Today · 4.125%
HK$107,334
baseline
▲ 0.50% · 4.625%
HK$113,865
+HK$6,531/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,668/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,361
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,375
−HK$3,057/mo
Today · 4.125%
HK$118,432
baseline
▲ 0.50% · 4.625%
HK$124,675
+HK$6,243/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,864/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,813 · Scale 2, in force from 26 Feb 2026)