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$56,347
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,100
−HK$1,780/mo
Today · 4.125%
HK$59,880
baseline
▲ 0.50% · 4.625%
HK$63,524
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,760/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,685
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,367
−HK$1,705/mo
Today · 4.125%
HK$66,072
baseline
▲ 0.50% · 4.625%
HK$69,555
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,144/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,616
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,720
−HK$2,136/mo
Today · 4.125%
HK$71,856
baseline
▲ 0.50% · 4.625%
HK$76,229
+HK$4,373/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$143,712/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,222
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,240
−HK$2,047/mo
Today · 4.125%
HK$79,287
baseline
▲ 0.50% · 4.625%
HK$83,466
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$158,574/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,886
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,340
−HK$2,493/mo
Today · 4.125%
HK$83,833
baseline
▲ 0.50% · 4.625%
HK$88,934
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,666/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,760
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,113
−HK$2,388/mo
Today · 4.125%
HK$92,501
baseline
▲ 0.50% · 4.625%
HK$97,377
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,002/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,424
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,579
−HK$3,206/mo
Today · 4.125%
HK$107,785
baseline
▲ 0.50% · 4.625%
HK$114,343
+HK$6,558/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,570/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,834
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,860
−HK$3,070/mo
Today · 4.125%
HK$118,930
baseline
▲ 0.50% · 4.625%
HK$125,199
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,860/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,209 · Scale 2, in force from 26 Feb 2026)