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$56,355
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,108
−HK$1,781/mo
Today · 4.125%
HK$59,889
baseline
▲ 0.50% · 4.625%
HK$63,533
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,778/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,695
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,376
−HK$1,706/mo
Today · 4.125%
HK$66,082
baseline
▲ 0.50% · 4.625%
HK$69,565
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,164/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,626
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,730
−HK$2,137/mo
Today · 4.125%
HK$71,867
baseline
▲ 0.50% · 4.625%
HK$76,240
+HK$4,373/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,734/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,234
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,251
−HK$2,047/mo
Today · 4.125%
HK$79,298
baseline
▲ 0.50% · 4.625%
HK$83,478
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,596/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,897
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,351
−HK$2,494/mo
Today · 4.125%
HK$83,845
baseline
▲ 0.50% · 4.625%
HK$88,947
+HK$5,102/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,690/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,772
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,127
−HK$2,388/mo
Today · 4.125%
HK$92,515
baseline
▲ 0.50% · 4.625%
HK$97,391
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,030/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,439
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,595
−HK$3,206/mo
Today · 4.125%
HK$107,801
baseline
▲ 0.50% · 4.625%
HK$114,360
+HK$6,559/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,602/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,850
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,877
−HK$3,070/mo
Today · 4.125%
HK$118,947
baseline
▲ 0.50% · 4.625%
HK$125,217
+HK$6,270/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,894/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,364 · Scale 2, in force from 26 Feb 2026)