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$56,377
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,131
−HK$1,781/mo
Today · 4.125%
HK$59,912
baseline
▲ 0.50% · 4.625%
HK$63,558
+HK$3,646/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,824/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,719
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,401
−HK$1,706/mo
Today · 4.125%
HK$66,107
baseline
▲ 0.50% · 4.625%
HK$69,592
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,214/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,652
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,757
−HK$2,138/mo
Today · 4.125%
HK$71,895
baseline
▲ 0.50% · 4.625%
HK$76,269
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,790/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,263
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,281
−HK$2,048/mo
Today · 4.125%
HK$79,329
baseline
▲ 0.50% · 4.625%
HK$83,510
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,658/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,928
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,383
−HK$2,494/mo
Today · 4.125%
HK$83,877
baseline
▲ 0.50% · 4.625%
HK$88,981
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,754/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,806
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,161
−HK$2,389/mo
Today · 4.125%
HK$92,550
baseline
▲ 0.50% · 4.625%
HK$97,429
+HK$4,879/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,100/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,478
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,635
−HK$3,207/mo
Today · 4.125%
HK$107,842
baseline
▲ 0.50% · 4.625%
HK$114,404
+HK$6,562/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,684/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,894
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,922
−HK$3,071/mo
Today · 4.125%
HK$118,993
baseline
▲ 0.50% · 4.625%
HK$125,265
+HK$6,272/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,986/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,768 · Scale 2, in force from 26 Feb 2026)