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$56,422
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,177
−HK$1,783/mo
Today · 4.125%
HK$59,960
baseline
▲ 0.50% · 4.625%
HK$63,609
+HK$3,649/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,920/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,769
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,452
−HK$1,708/mo
Today · 4.125%
HK$66,160
baseline
▲ 0.50% · 4.625%
HK$69,648
+HK$3,488/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,320/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,707
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,813
−HK$2,139/mo
Today · 4.125%
HK$71,952
baseline
▲ 0.50% · 4.625%
HK$76,330
+HK$4,378/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,904/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,323
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,343
−HK$2,049/mo
Today · 4.125%
HK$79,392
baseline
▲ 0.50% · 4.625%
HK$83,577
+HK$4,185/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,784/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,991
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,448
−HK$2,496/mo
Today · 4.125%
HK$83,944
baseline
▲ 0.50% · 4.625%
HK$89,052
+HK$5,108/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,888/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,877
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,233
−HK$2,391/mo
Today · 4.125%
HK$92,624
baseline
▲ 0.50% · 4.625%
HK$97,507
+HK$4,883/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,248/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,560
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,719
−HK$3,210/mo
Today · 4.125%
HK$107,929
baseline
▲ 0.50% · 4.625%
HK$114,496
+HK$6,567/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,858/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,984
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,014
−HK$3,074/mo
Today · 4.125%
HK$119,088
baseline
▲ 0.50% · 4.625%
HK$125,366
+HK$6,278/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,176/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,610 · Scale 2, in force from 26 Feb 2026)