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$56,468
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,225
−HK$1,784/mo
Today · 4.125%
HK$60,009
baseline
▲ 0.50% · 4.625%
HK$63,661
+HK$3,652/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,018/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,820
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,505
−HK$1,709/mo
Today · 4.125%
HK$66,214
baseline
▲ 0.50% · 4.625%
HK$69,705
+HK$3,491/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,428/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,762
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,870
−HK$2,141/mo
Today · 4.125%
HK$72,011
baseline
▲ 0.50% · 4.625%
HK$76,393
+HK$4,382/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,022/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,384
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,406
−HK$2,051/mo
Today · 4.125%
HK$79,457
baseline
▲ 0.50% · 4.625%
HK$83,645
+HK$4,188/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,914/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,055
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,515
−HK$2,498/mo
Today · 4.125%
HK$84,013
baseline
▲ 0.50% · 4.625%
HK$89,125
+HK$5,112/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$168,026/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,948
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,307
−HK$2,393/mo
Today · 4.125%
HK$92,700
baseline
▲ 0.50% · 4.625%
HK$97,586
+HK$4,886/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,400/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,643
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,804
−HK$3,213/mo
Today · 4.125%
HK$108,017
baseline
▲ 0.50% · 4.625%
HK$114,589
+HK$6,572/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,034/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,077
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,109
−HK$3,077/mo
Today · 4.125%
HK$119,186
baseline
▲ 0.50% · 4.625%
HK$125,468
+HK$6,282/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,372/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,469 · Scale 2, in force from 26 Feb 2026)