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$56,413
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,168
−HK$1,783/mo
Today · 4.125%
HK$59,951
baseline
▲ 0.50% · 4.625%
HK$63,599
+HK$3,648/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,902/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,759
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,442
−HK$1,708/mo
Today · 4.125%
HK$66,150
baseline
▲ 0.50% · 4.625%
HK$69,637
+HK$3,487/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,300/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,696
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,802
−HK$2,139/mo
Today · 4.125%
HK$71,941
baseline
▲ 0.50% · 4.625%
HK$76,318
+HK$4,377/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$143,882/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,311
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,331
−HK$2,049/mo
Today · 4.125%
HK$79,380
baseline
▲ 0.50% · 4.625%
HK$83,564
+HK$4,184/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$158,760/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,978
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,435
−HK$2,496/mo
Today · 4.125%
HK$83,931
baseline
▲ 0.50% · 4.625%
HK$89,038
+HK$5,107/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,862/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,863
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,219
−HK$2,391/mo
Today · 4.125%
HK$92,610
baseline
▲ 0.50% · 4.625%
HK$97,491
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,220/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,544
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,702
−HK$3,209/mo
Today · 4.125%
HK$107,911
baseline
▲ 0.50% · 4.625%
HK$114,478
+HK$6,567/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,822/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,966
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$115,996
−HK$3,074/mo
Today · 4.125%
HK$119,070
baseline
▲ 0.50% · 4.625%
HK$125,346
+HK$6,276/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,140/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,444 · Scale 2, in force from 26 Feb 2026)