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$56,343
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,096
−HK$1,780/mo
Today · 4.125%
HK$59,876
baseline
▲ 0.50% · 4.625%
HK$63,520
+HK$3,644/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,752/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,681
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,362
−HK$1,706/mo
Today · 4.125%
HK$66,068
baseline
▲ 0.50% · 4.625%
HK$69,550
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,136/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,612
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,715
−HK$2,137/mo
Today · 4.125%
HK$71,852
baseline
▲ 0.50% · 4.625%
HK$76,224
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$143,704/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,218
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,235
−HK$2,046/mo
Today · 4.125%
HK$79,281
baseline
▲ 0.50% · 4.625%
HK$83,460
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$158,562/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,881
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,334
−HK$2,493/mo
Today · 4.125%
HK$83,827
baseline
▲ 0.50% · 4.625%
HK$88,928
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,654/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,754
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,107
−HK$2,388/mo
Today · 4.125%
HK$92,495
baseline
▲ 0.50% · 4.625%
HK$97,370
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$184,990/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,418
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,573
−HK$3,205/mo
Today · 4.125%
HK$107,778
baseline
▲ 0.50% · 4.625%
HK$114,336
+HK$6,558/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,556/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,826
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,852
−HK$3,070/mo
Today · 4.125%
HK$118,922
baseline
▲ 0.50% · 4.625%
HK$125,191
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,844/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,141 · Scale 2, in force from 26 Feb 2026)