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$56,472
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,229
−HK$1,785/mo
Today · 4.125%
HK$60,014
baseline
▲ 0.50% · 4.625%
HK$63,665
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,028/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,825
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,510
−HK$1,709/mo
Today · 4.125%
HK$66,219
baseline
▲ 0.50% · 4.625%
HK$69,709
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,438/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,767
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,875
−HK$2,141/mo
Today · 4.125%
HK$72,016
baseline
▲ 0.50% · 4.625%
HK$76,398
+HK$4,382/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,032/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,390
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,412
−HK$2,051/mo
Today · 4.125%
HK$79,463
baseline
▲ 0.50% · 4.625%
HK$83,651
+HK$4,188/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,926/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,061
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,520
−HK$2,499/mo
Today · 4.125%
HK$84,019
baseline
▲ 0.50% · 4.625%
HK$89,131
+HK$5,112/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,038/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,955
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,314
−HK$2,393/mo
Today · 4.125%
HK$92,707
baseline
▲ 0.50% · 4.625%
HK$97,593
+HK$4,886/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,414/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,650
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,812
−HK$3,212/mo
Today · 4.125%
HK$108,024
baseline
▲ 0.50% · 4.625%
HK$114,597
+HK$6,573/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,048/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,085
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,117
−HK$3,077/mo
Today · 4.125%
HK$119,194
baseline
▲ 0.50% · 4.625%
HK$125,477
+HK$6,283/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,388/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,544 · Scale 2, in force from 26 Feb 2026)