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$56,109
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,854
−HK$1,774/mo
Today · 4.125%
HK$59,628
baseline
▲ 0.50% · 4.625%
HK$63,256
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,256/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,421
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,095
−HK$1,698/mo
Today · 4.125%
HK$65,793
baseline
▲ 0.50% · 4.625%
HK$69,261
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,586/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,331
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,425
−HK$2,128/mo
Today · 4.125%
HK$71,553
baseline
▲ 0.50% · 4.625%
HK$75,907
+HK$4,354/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,106/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,905
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,914
−HK$2,038/mo
Today · 4.125%
HK$78,952
baseline
▲ 0.50% · 4.625%
HK$83,113
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,904/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,553
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,996
−HK$2,483/mo
Today · 4.125%
HK$83,479
baseline
▲ 0.50% · 4.625%
HK$88,558
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,958/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,389
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,733
−HK$2,377/mo
Today · 4.125%
HK$92,110
baseline
▲ 0.50% · 4.625%
HK$96,966
+HK$4,856/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,220/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,996
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,138
−HK$3,192/mo
Today · 4.125%
HK$107,330
baseline
▲ 0.50% · 4.625%
HK$113,860
+HK$6,530/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,660/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,357
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,371
−HK$3,057/mo
Today · 4.125%
HK$118,428
baseline
▲ 0.50% · 4.625%
HK$124,670
+HK$6,242/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,856/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,776 · Scale 2, in force from 26 Feb 2026)